PlainZIP

Mokelumne Hill, CA · standard

ZIP Code 95245

Calaveras County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

2,277
13/sq mi
$84,405
Median income
$482,000
Median home value
17.7%
Bachelor's or higher

The verdict

Mokelumne Hill pairs an above-median household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 33%
household income, US ZIPs
Top 14%
home value, US ZIPs
13
people per sq mi
84%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95245 against every reporting US ZIP.

ZIP code 95245 covers 177.9 square miles in Mokelumne Hill, Calaveras County, California (a standard USPS delivery area), with a modest 2,277 residents on file, a density of 13 people per square mile, in the Los Angeles time zone.

ZIP 95245 lands in the middle-income range, with a median household income of $84,405 (17% below the California average), while per-capita income is $40,660. Poverty here runs at 13.0%, with unemployment measured at 0.9%. Median home value sits at $482,000 (38% below the state average), median rent at $1,352 a month, and owner-occupancy at 83.9%.

Educational attainment sits below the national norm: 17.7% of adults hold a bachelor's degree or higher, the median age is 58, and the average commute is -. To put 95245 in local context, 7 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Calaveras County, for a geography-aware comparison.

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 →

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 95245, Mokelumne Hill, 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

2,277

Population

177.9

Area (sq mi)

13

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 95245?

58.0

Median Age

54.4%

Male

45.6%

Female

3.5%

Foreign-Born

White 80.5%
African American 5.6%
Asian 0.0%
American Indian or Alaska Native 1.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.1%
Hispanic or Latino 12.4%

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?

$84,405

Median Household Income

-17% vs state

$40,660

Per Capita Income

13.0%

Poverty Rate

0.9%

Unemployment Rate

How ZIP 95245 ranks nationally

Mokelumne Hill, CA household income vs. every US ZIP code

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

$84,405 Top 33% higher than 67% 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%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $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 44.4%
Bachelor's Degree or Higher 17.7%

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

What does housing look like?

1,328

Total Housing Units

1,140

Occupied Units

188

Vacant Units

2.39

Avg Household Size

Occupancy Type

Owner 83.9%
Renter 16.1%

$482,000

Median Home Value

-38% vs state

$1,352

Median Rent

1987

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

-3.5%

YoY Change (2024)

235

HPI Index (2000 = 100)

+135%

Total Change Since 2000

Home values in ZIP 95245 have decreased 3.5% over the past year (2024). Since 2000, this ZIP has seen +135% cumulative appreciation.

Year Annual Change HPI Index
2019 +12.4% 205
2020 -1.4% 202
2021 +8.6% 219
2022 -3.5% 212
2024 – 235

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 20 business establishments in ZIP 95245, employing approximately 64 people with a combined annual payroll of $2,005,000.

20

Businesses

64

Employees

$2.0M

Annual Payroll

2

Industry Sectors

Industry Establishments % of Total
Construction 6 30.0%
Accommodation and food services 4 20.0%

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 95245 vs 95232 →

ZIP 95245 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 95245 ranks #5 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 95245 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 95245 ranks #3 of 8 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
95232 Glencoe, CA 304 4.2 mi
95249 San Andreas, CA 4,042 7.5 mi
95665 Pine Grove, CA 4,426 7.4 mi
95246 Mountain Ranch, CA 1,615 7.2 mi
95642 Jackson, CA 7,164 8.2 mi
95255 West Point, CA 2,042 11.5 mi
95685 Sutter Creek, CA 4,680 12.2 mi

More ZIP Codes in Calaveras County

95252 standard
Valley Springs, CA
Pop: 13,460
95222 standard
Angels Camp, CA
Pop: 5,292
95223 standard
Arnold, CA
Pop: 4,612
95247 standard
Murphys, CA
Pop: 4,368
95249 standard
San Andreas, CA
Pop: 4,042
95228 standard
Copperopolis, CA
Pop: 3,976

Related Areas

Calaveras County Mokelumne Hill, CA California

Frequently Asked Questions

What county is ZIP code 95245 in? ▼
ZIP code 95245 (Mokelumne Hill) 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 95245? ▼
ZIP code 95245 in Mokelumne Hill, CA has a population of 2,277 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95245? ▼
The median household income in ZIP 95245 is $84,405, which is 11% above the national average of $76,288.
What is the average home value in ZIP 95245? ▼
The median home value in ZIP 95245 is $482,000, which is 73% above the national average of $278,155.
What is the demographic makeup of ZIP 95245? ▼
The largest racial group in ZIP 95245 is White at 80.5%. Hispanic or Latino residents make up 12.4% of the population.
How many businesses are in ZIP code 95245? ▼
ZIP code 95245 has 20 business establishments employing approximately 64 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
How have home values changed in ZIP code 95245? ▼
According to the FHFA House Price Index, home values in ZIP 95245 decreased by 3.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 135%. 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 95245? ▼
In ZIP code 95245, 44.4% of residents aged 25+ have a high school diploma or higher, and 17.7% 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 95245? ▼
In ZIP code 95245, approximately 83.9% of occupied housing units are owner-occupied and 16.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95245? ▼
The poverty rate in ZIP code 95245 is 13.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

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