95926Chico, California

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 95926.

41out of 100
Area Score
Bottom 2% of 5,298 published profiles

How we calculate this

How this area ranks
Opportunity5405th of 6,210 published ZIP areas34
Growth3280th of 5,428 published ZIP areas44
Housing affordability6342nd of 6,685 published ZIP areas39
ClimateTop 42% of 6,789 published ZIP areas72
Physical resilience5593rd of 6,709 published ZIP areas22
Access6472nd of 6,791 published ZIP areas54
Economic stability5138th of 6,742 published ZIP areas44
The quick read

Employment conditions sit below most comparable published ZIP profiles: unemployment is 5.1% and the Opportunity signal places 95926 in the bottom 13%.

Buying strains local incomes far more than renting does — the median home is 7.6 times median household income, against a historic benchmark near three — while rent takes 28% of it.

Physical-risk exposure is above the national median, driven mainly by inland flooding, earthquake and drought.

At a glance

Population
40,567
2024 ACS 5-Year
Median household income
$61,920
Bottom 33% nationally
Density
5,214/sq mi
7.8 sq mi of land
Median age
27.3
2024 ACS 5-Year
City
Chico
California
Metro area
Chico, CA
Nearest major airport
SMF
74 mi · Sacramento Intl
Median home value
$473,600
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 5.1% is lower than 25% of the 6,544 measured US ZIP areas.

Employment fell 2.2% over the past year, to 47,327 employed residents.

46% of adults hold a four-year degree, higher than 84% of measured US ZIP areas.

MetricValueCompared with peersSource period
Median household income ±$8,047$61,920Bottom 33%2024 ACS 5-Year
Per capita income ±$2,154$35,893Bottom 48%2024 ACS 5-Year
Poverty rate26.7%Top 9%2024 ACS 5-Year
Average commute19.6 minBottom 12%2024 ACS 5-Year
Bachelor's degree or higher45.7%Top 16%2024 ACS 5-Year
Employment47,327Bottom 46%June 2026
Employment change (3 years)-1.1%Bottom 32%June 2026
Employment change (year over year)-2.2%Bottom 15%June 2026
Labor force49,856Bottom 46%June 2026
Labor force participation65.3%Top 31%2024 ACS 5-Year
Mean annual wage$65,420Bottom 39%2025 OEWS
Median annual wage$48,050Bottom 27%2025 OEWS
Unemployment change (year over year)-0.4%Bottom 23%June 2026
Unemployment rate5.1%Top 25%June 2026
Median household income, successive ACS releases
202120222023202462k55k
Each point is a separate five-year estimate, most recently $61,920 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Chico, CA
OccupationPeople employedMedian annual wage
Home Health and Personal Care Aides5,940$34,320
Fast Food and Counter Workers2,630$38,210
Registered Nurses2,170$127,360
Cashiers2,090$35,210
Retail Salespersons2,010$36,680
Office Clerks, General1,700$42,840

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Chico, CA, the city containing this ZIP code.

There are 21.1 students for every full-time teacher, more than in most measured places.

Public schools
20
2024-25 school year
Students per teacher
21.1
across all schools here
Math proficiency
Reading proficiency
SchoolDistrictStudentsPer teacherMathReading
Pleasant Valley HighChico Unified1,97822.5
Chico HighChico Unified1,80422.6
Bidwell Junior HighChico Unified1,01224.7
Chico Junior HighChico Unified86122.7
Shasta ElementaryChico Unified62121.4
Emma Wilson ElementaryChico Unified59720.6
Marigold ElementaryChico Unified57121.1
Sierra View ElementaryChico Unified42817.8
McManus (John A.) ElementaryChico Unified39718.0
Citrus Avenue ElementaryChico Unified38320.2
Neal Dow ElementaryChico Unified36417.3
Hooker Oak ElementaryChico Unified33721.1

54.9% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against California’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,468 takes 28% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 7.6 times median household income here, well above the historic benchmark, at a level conventionally described as seriously unaffordable.

Rent as a share of income
28.4%
Below the 30% cost-burdened threshold
Home price to income
7.6×
median home value ÷ median income
Median gross rent
$1,468
2024 ACS 5-Year
Median home value
$473,600
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income7.65Top 5%2024 ACS 5-Year
Homeownership rate40.5%Bottom 6%2024 ACS 5-Year
Housing units ±56018,549Top 4%2024 ACS 5-Year
Median gross rent ±$54$1,468Top 23%2024 ACS 5-Year
Median home value ±$13,715$473,600Top 14%2024 ACS 5-Year
Rent as a share of income28.4%Top 7%2024 ACS 5-Year
Vacancy rate7.8%Bottom 37%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
44/ 100
Ranks 3280 of 5,428 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

At 2.3 permitted units per 1,000 residents, building activity is below the median for measured US ZIP areas.

Units permitted
230
12 months ending July 2026
Per 1,000 residents
2.3
Bottom 43% nationally
Year over year
+48%
vs the prior twelve months
Multifamily share
59.1%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Chico, CA, the city containing this ZIP code.

Weather & climate

7 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 96°F and January a low of 40°F.

Normal annual precipitation is 25.7 inches.

Air quality measures a median index of 46, in the Good band, and about 2 days a year pass 100, the threshold at which the air is unhealthy for sensitive groups.

30°50°70°90°110°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station OROVILLE MUNI AP, 21.4 miles from this location.
Precipitation
JFMAMJJASOND5.2"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index71.02024 calendar year
Annual precipitation25.7"1991-2020 Normals
Average January low40°F1991-2020 Normals
Average July high96°F1991-2020 Normals
Comfortable months71991-2020 Normals
Days above AQI 10022024 calendar year
Median air quality index46.02024 calendar year
Seasonal temperature swing33°F1991-2020 Normals
Air quality
Median air quality index
46
Good on a typical day
Worst tenth of days
71
90th percentile index
Days above 100
2
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

Physical risk

22 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, earthquake and drought.

DroughtHigh
WildfireHigh
LandslideModerate
EarthquakeHigh
Inland floodingModerate
Heat waveModerate
AvalancheModerate

Low or minimal exposure: volcanic activity, lightning, hail, tornado, winter weather, strong wind.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Butte County records 6.3 homicide deaths per 100,000 residents a year, higher than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 22.2 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 52.6 per 100,000 residents in Butte County.

Homicide
6.3
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
22.2
per 100,000 residents · under 10 deaths
Drug overdose
52.6
per 100,000 residents · under 10 deaths
Suicide
24.1
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Butte County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 95926 rather than 95926 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

2 major airports lie within 100 miles, the nearest 74 miles away.

AirportCodeDistanceLongest runway
Sacramento IntlSMF74 mi8,605 ft
Mc Clellan AirfieldMCC78 mi10,599 ft
Reno/SteadRTS105 mi9,000 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2024-25 school yearDirectory annually; assessment results as EDFacts releases them
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar yearAnnually, once a calendar year is complete

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

95926 vs Chico

How this ZIP area compares with Chico as a whole. Both figures come from the same ACS release, so the comparison is like for like.

95926
Chico
Median household income
$61,920
vs
$66,977
Per capita income
$35,893
vs
$38,830
Population density
5,214/sq mi
vs
2,973/sq mi
Median home value
$473,600
vs
$468,100
Median gross rent
$1,468
vs
$1,488
Homeownership rate
40.5%
vs
43.4%
Bachelor's degree or higher
45.7%
vs
42.2%
Poverty rate
26.7%
vs
22.7%
Median age
27.3
vs
31.1

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.