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 classified by USPS as a standard delivery area and covers roughly 828.6 square miles in Oroville, Butte County, California. The area is home to 20,384 residents, producing a population density of 25 people per square mile, and falls within the Los Angeles time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 95965 against California and the nation.
On the economic side, the median household income for ZIP 95965 sits at $53,198 (48% below the California average), while per-capita income is $27,249. The poverty rate stands at 24.4% and the unemployment rate at 8.2%. On housing, the median home value is $308,500 (60% below the state average) with median rent at $1,191 per month, and 62.9% of occupied units are owner-occupied, a direct signal of whether 95965 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 15.0% of adults hold a bachelor's degree or higher, the median age is 35.7, and the average commute is 24 minutes. We also surface 1 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Butte County, so you can benchmark 95965 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 95965
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 95965.
- Retail trade
Retail trade
69 establishments
- Accommodation and food services
Accommodation and food services
46 establishments
- Health care and social assistance
Health care and social assistance
44 establishments
- Other services (except public administration)
Other services (except public administration)
44 establishments
- Construction
Construction
43 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
Who lives in ZIP 95965?
35.7
Median Age
50.2%
Male
49.8%
Female
13.0%
Foreign-Born
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
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
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?
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
$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
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Frequently Asked Questions
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ZIP Code Research Guides
Official Data Resources for Oroville, CA
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.