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 Low-density area
- $84,405
- Median income Above-median income area
- $482,000
- Median home value Above-median home value
- 17.7%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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 average California ZIP), while per-capita income is $40,660. The poverty rate is 13.0%, with unemployment at 0.9%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $482,000 (38% below the average California ZIP), and median rent is $1,352; owner occupancy is 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 -. The page also surfaces 7 ZIP codes within roughly 10 miles and 6 more in Calaveras County, so 95245 can be compared with both its immediate and county-level context.
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
Who lives in ZIP 95245?
58.0
Median Age
54.4%
Male
45.6%
Female
3.5%
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?
$84,405
Median Household Income
-17% vs state ZIP avg
$40,660
Per Capita Income
13.0%
Poverty Rate
0.9%
Unemployment Rate
How ZIP 95245 ranks among California ZIPs
Mokelumne Hill, 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)
$84,405 41st percentile higher than 41% 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
1,328housing units
1,328
Total Housing Units
1,140
Occupied Units
188
Vacant Units
2.39
Avg Household Size
Occupancy Type
$482,000
Median Home Value
-38% vs state ZIP avg
$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.
- 95642
Jackson (95642)
7,164 residents
- 95685
Sutter Creek (95685)
4,680 residents
- 95665
Pine Grove (95665)
4,426 residents
- 95249
San Andreas (95249)
4,042 residents
- 95245 2,277
Mokelumne Hill (95245)
2,277 residents
- 95255 2,042
West Point (95255)
2,042 residents
- 95246 1,615
Mountain Ranch (95246)
1,615 residents
- 95232 304
Glencoe (95232)
304 residents
What this shows Among its immediate neighbors, ZIP 95245 ranks #5 by population - useful context the national average alone can't give.
ZIP 95245 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95246
Mountain Ranch (95246)
$98,269 median income
- 95665
Pine Grove (95665)
$87,366 median income
- 95245
Mokelumne Hill (95245)
$84,405 median income
- 95685
Sutter Creek (95685)
$83,878 median income
- 95642
Jackson (95642)
$81,438 median income
- 95232
Glencoe (95232)
$71,023 median income
- 95255
West Point (95255)
$51,364 median income
- 95249
San Andreas (95249)
$45,302 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95245, 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 (2,277 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 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.
Related
Take this with you
What to do with ZIP 95245's numbers, next.
- See how ZIP 95245 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Mokelumne Hill, 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.