PlainZIP

Oroville, CA · standard

ZIP Code 95965

Butte County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

20,384
25/sq mi
$53,198
Median income
$308,500
Median home value
15.0%
Bachelor's or higher

The verdict

Oroville pairs one of the lowest household incomes in the country with above-median home values, in a rural, homeowner-dominated area.

19th pct
household income, US ZIPs
Top 32%
home value, US ZIPs
25
people per sq mi
63%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95965 against every reporting US ZIP.

ZIP code 95965 is a densely settled ZIP (a standard USPS delivery area) in Oroville, Butte County, California, with 20,384 residents across 828.6 square miles, a density of 25 people per square mile, in the Los Angeles time zone.

ZIP 95965 reports a modest median household income of $53,198 (48% below the California average), while per-capita income is $27,249. Poverty here runs at 24.4%, with unemployment measured at 8.2%. Housing costs here run $308,500 for a typical home value (60% below the state average), with rent averaging $1,191 a month; 62.9% of homes are owner-occupied.

Educational attainment sits below the national norm: 15.0% of adults hold a bachelor's degree or higher, the median age is 35.7, and the average commute is 24 minutes. A geography-based comparison follows: 1 ZIP codes within about 10 miles of 95965, plus 6 more within Butte County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 95965

Top 5 sectors by establishment count in Oroville, CA

Which industries have the most business establishments in ZIP 95965.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 95965, Oroville, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

20,384

Population

828.6

Area (sq mi)

25

People / sq mi

Los Angeles

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 95965?

35.7

Median Age

50.2%

Male

49.8%

Female

13.0%

Foreign-Born

White 56.0%
African American 3.6%
Asian 15.9%
American Indian or Alaska Native 2.4%
Native Hawaiian or Pacific Islander 0.5%
Two or More Ethnicities 16.5%
Hispanic or Latino 19.3%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$53,198

Median Household Income

-48% vs state

$27,249

Per Capita Income

24.4%

Poverty Rate

8.2%

Unemployment Rate

23.7 min

Mean Commute Time

How ZIP 95965 ranks nationally

Oroville, CA household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$53,198 19th percentile higher than 19% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 43.9%
Bachelor's Degree or Higher 15.0%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

8,067

Total Housing Units

7,178

Occupied Units

889

Vacant Units

2.80

Avg Household Size

Occupancy Type

Owner 62.9%
Renter 37.1%

$308,500

Median Home Value

-60% vs state

$1,191

Median Rent

1976

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+3.8%

YoY Change (2024)

322

HPI Index (2000 = 100)

+222%

Total Change Since 2000

Home values in ZIP 95965 have increased 3.8% over the past year (2024). Since 2000, this ZIP has seen +222% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.4% 262
2021 +12.6% 295
2022 +11.0% 327
2023 -5.1% 310
2024 +3.8% 322

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 385 business establishments in ZIP 95965, employing approximately 5,429 people with a combined annual payroll of $260,031,000.

385

Businesses

5,429

Employees

$260.0M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Retail trade 69 17.9%
Accommodation and food services 46 11.9%
Health care and social assistance 44 11.4%
Other services (except public administration) 44 11.4%
Construction 43 11.2%
Manufacturing 23 6.0%
Real estate and rental and leasing 20 5.2%
Administrative and support and waste management and remediation services 20 5.2%
Finance and insurance 18 4.7%
Professional, scientific, and technical services 17 4.4%
Wholesale trade 14 3.6%
Arts, entertainment, and recreation 7 1.8%
Information 6 1.6%
Transportation and warehousing 5 1.3%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 95965 vs 95969 →

ZIP Code City Population Distance
95969 Paradise, CA 27,549 8.8 mi

More ZIP Codes in Butte County

95926 standard
Chico, CA
Pop: 37,725
95928 standard
Chico, CA
Pop: 36,511
95973 standard
Chico, CA
Pop: 31,957
95966 standard
Oroville, CA
Pop: 30,643
95969 standard
Paradise, CA
Pop: 27,549
95954 standard
Magalia, CA
Pop: 12,251

Related Areas

Butte County Oroville, CA California

Frequently Asked Questions

What county is ZIP code 95965 in? ▼
ZIP code 95965 (Oroville) is located in Butte County, California. Butte County contains multiple ZIP codes, see the full list at /counties/butte-ca.
What is the population of ZIP code 95965? ▼
ZIP code 95965 in Oroville, CA has a population of 20,384 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95965? ▼
The median household income in ZIP 95965 is $53,198, which is 30% below the national average of $76,288.
What is the average home value in ZIP 95965? ▼
The median home value in ZIP 95965 is $308,500, which is 11% above the national average of $278,155.
What is the demographic makeup of ZIP 95965? ▼
The largest racial group in ZIP 95965 is White at 56.0%. Hispanic or Latino residents make up 19.3% of the population.
How many businesses are in ZIP code 95965? ▼
ZIP code 95965 has 385 business establishments employing approximately 5,429 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95965? ▼
The top industries by establishment count in ZIP 95965 are: Retail trade (69), Accommodation and food services (46), Health care and social assistance (44). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 95965? ▼
According to the FHFA House Price Index, home values in ZIP 95965 increased by 3.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 222%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 95965? ▼
In ZIP code 95965, 43.9% of residents aged 25+ have a high school diploma or higher, and 15.0% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 95965? ▼
The mean commute time for workers in ZIP code 95965 is 23.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 95965? ▼
In ZIP code 95965, approximately 62.9% of occupied housing units are owner-occupied and 37.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95965? ▼
The poverty rate in ZIP code 95965 is 24.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.