Arnold, CA · standard
ZIP Code 95223
Calaveras County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,612
- 6/sq mi Low-density area
- $106,694
- Median income Above-median income area
- $476,000
- Median home value Above-median home value
- 49.5%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Arnold pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 15%
- household income, US ZIPs
- Top 14%
- home value, US ZIPs
- 6
- people per sq mi
- 86%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95223 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 95223 (Arnold, CA) rose +6.3% from 2023 to 2024. The all-transactions index moved from 261.9 in 2023 to 278.3 in 2024 (2000 = 100).
ZIP code 95223 covers 743.9 square miles in Arnold, Calaveras County, California (a standard USPS delivery area), with a modest 4,612 residents on file, a density of 6 people per square mile, in the Los Angeles time zone.
ZIP 95223 lands in the middle-income range, with a median household income of $106,694 (5% above the average California ZIP), while per-capita income is $73,891. The poverty rate is 4.7%, with unemployment at 4.9%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $476,000 (38% below the average California ZIP), and median rent is $1,542; owner occupancy is 85.9%.
A solid share of residents have a four-year degree: 49.5% of adults hold a bachelor's degree or higher, the median age is 63.2, and the average commute is -. No nearby ZIP peer set is available for this delivery area, so the California and national benchmarks above are the appropriate context for 95223.
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 95223
Top 5 sectors by establishment count in Arnold, CA
Which industries have the most business establishments in ZIP 95223.
- Construction
Construction
25 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
24 establishments
- Retail trade
Retail trade
23 establishments
- Accommodation and food services
Accommodation and food services
17 establishments
- Other services (except public administration)
Other services (except public administration)
17 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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 95223, Arnold, 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
4,612
Population
743.9
Area (sq mi)
6
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95223?
63.2
Median Age
46.2%
Male
53.8%
Female
7.5%
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?
$106,694
Median Household Income
+5% vs state ZIP avg
$73,891
Per Capita Income
4.7%
Poverty Rate
4.9%
Unemployment Rate
How ZIP 95223 ranks among California ZIPs
Arnold, CA household income vs. every California ZIP code
Median household income among 1,583 reporting California ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$106,694 Top 36% higher than 64% of 1,583 California ZIPs
Each bar is a $20K-wide band; taller bars hold more California 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?
Housing stock: occupied vs vacant
7,318housing units
7,318
Total Housing Units
1,584
Occupied Units
5,734
Vacant Units
1.93
Avg Household Size
Occupancy Type
$476,000
Median Home Value
-38% vs state ZIP avg
$1,542
Median Rent
1982
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
+6.3%
YoY Change (2024)
278
HPI Index (2000 = 100)
+178%
Total Change Since 2000
Home values in ZIP 95223 have increased 6.3% over the past year (2024). Since 2000, this ZIP has seen +178% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.0% | 207 |
| 2021 | +18.9% | 246 |
| 2022 | +12.9% | 277 |
| 2023 | -5.6% | 262 |
| 2024 | +6.3% | 278 |
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 136 business establishments in ZIP 95223, employing approximately 1,302 people with a combined annual payroll of $46,021,000.
136
Businesses
1,302
Employees
$46.0M
Annual Payroll
9
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 25 | 18.4% |
| Real estate and rental and leasing | 24 | 17.6% |
| Retail trade | 23 | 16.9% |
| Accommodation and food services | 17 | 12.5% |
| Other services (except public administration) | 17 | 12.5% |
| Professional, scientific, and technical services | 9 | 6.6% |
| Health care and social assistance | 5 | 3.7% |
| Arts, entertainment, and recreation | 5 | 3.7% |
| Administrative and support and waste management and remediation services | 4 | 2.9% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95223, both outside CA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (4,612 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Calaveras County
Related Areas
Frequently Asked Questions
What county is ZIP code 95223 in?
ZIP code 95223 (Arnold) is located in Calaveras County, California. Calaveras County contains multiple ZIP codes, see the full list at /counties/calaveras-ca.
What is the population of ZIP code 95223?
ZIP code 95223 in Arnold, CA has a population of 4,612 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95223?
The median household income in ZIP 95223 is $106,694, which is 40% above the national average of $76,288.
What is the average home value in ZIP 95223?
The median home value in ZIP 95223 is $476,000, which is 71% above the national average of $278,155.
What is the demographic makeup of ZIP 95223?
The largest racial group in ZIP 95223 is White at 86.9%. Hispanic or Latino residents make up 6.0% of the population.
How many businesses are in ZIP code 95223?
ZIP code 95223 has 136 business establishments employing approximately 1,302 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95223?
The top industries by establishment count in ZIP 95223 are: Construction (25), Real estate and rental and leasing (24), Retail trade (23). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 95223?
According to the FHFA House Price Index, home values in ZIP 95223 increased by 6.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 178%. 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 95223?
In ZIP code 95223, 66.8% of residents aged 25+ have a high school diploma or higher, and 49.5% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 95223?
In ZIP code 95223, approximately 85.9% of occupied housing units are owner-occupied and 14.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95223?
The poverty rate in ZIP code 95223 is 4.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 95223's numbers, next.
- See how ZIP 95223 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Arnold, CA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.