ZIP 95746 vs ZIP 95650

This side-by-side compares ZIP 95746 (Granite Bay, CA) and ZIP 95650 (Loomis, CA) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 95746 has a population of 21,460 at 469 people per square mile, while ZIP 95650 has 12,447 at 195 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 95746 reports a median household income of $183,305 against $117,912 in ZIP 95650, with per-capita income of $84,058 vs $72,985. The share of adults holding a bachelor's degree or higher is 62.3% in 95746 and 46.6% in 95650. Poverty rate reads 5.4% vs 8.4%, and unemployment 4.5% vs 6.7% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $1,099,500 in 95746 versus $751,700 in 95650, with median rent of $2,921 and $1,817 per month respectively. Homeownership rate is 88.8% vs 90.6%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.