PlainZIP

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
$106,694
Median income
$476,000
Median home value
49.5%
Bachelor's or higher

The verdict

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.

ZIP code 95223 is classified by USPS as a standard delivery area and covers roughly 743.9 square miles in Arnold, Calaveras County, California. The area is home to 4,612 residents, producing a population density of 6 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 95223 against California and the nation.

On the economic side, the median household income for ZIP 95223 sits at $106,694 (5% above the California average), while per-capita income is $73,891. The poverty rate stands at 4.7% and the unemployment rate at 4.9%. On housing, the median home value is $476,000 (38% below the state average) with median rent at $1,542 per month, and 85.9% of occupied units are owner-occupied, a direct signal of whether 95223 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 49.5% of adults hold a bachelor's degree or higher, the median age is 63.2, and the average commute is —. Use the benchmarks above to see where 95223 sits relative to California and the national baseline rather than viewing the numbers in isolation. 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 95223

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 95223.

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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

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 95223?

63.2

Median Age

46.2%

Male

53.8%

Female

7.5%

Foreign-Born

White 86.9%
African American 0.0%
Asian 2.5%
American Indian or Alaska Native 3.9%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.6%
Hispanic or Latino 6.0%

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

$73,891

Per Capita Income

4.7%

Poverty Rate

4.9%

Unemployment Rate

How ZIP 95223 ranks nationally

Household income vs. every US ZIP code

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

$106,694 Top 15% higher than 85% 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%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $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 66.8%
Bachelor's Degree or Higher 49.5%

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

What does housing look like?

7,318

Total Housing Units

1,584

Occupied Units

5,734

Vacant Units

1.93

Avg Household Size

Occupancy Type

Owner 85.9%
Renter 14.1%

$476,000

Median Home Value

-38% vs state

$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.

More ZIP Codes in Calaveras County

95252 standard
Valley Springs, CA
Pop: 13,460
95222 standard
Angels Camp, CA
Pop: 5,292
95247 standard
Murphys, CA
Pop: 4,368
95249 standard
San Andreas, CA
Pop: 4,042
95228 standard
Copperopolis, CA
Pop: 3,976
95245 standard
Mokelumne Hill, CA
Pop: 2,277

Related Areas

Calaveras County Arnold, CA California

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.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Arnold, CA

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

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