Mountain Ranch, CA · standard
ZIP Code 95246
Calaveras County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 1,615
- 12/sq mi Low-density area
- $98,269
- Median income Above-median income area
- $417,100
- Median home value Above-median home value
- 21.9%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Mountain Ranch pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 20%
- household income, US ZIPs
- Top 19%
- home value, US ZIPs
- 12
- people per sq mi
- 88%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95246 against every reporting US ZIP.
ZIP code 95246 covers 134.6 square miles in Mountain Ranch, Calaveras County, California (a standard USPS delivery area), with a modest 1,615 residents on file, a density of 12 people per square mile, in the Los Angeles time zone.
ZIP 95246 lands in the middle-income range, with a median household income of $98,269 (3% below the average California ZIP), while per-capita income is $40,026. Economic pressure is pronounced: 24.9% of residents are below the poverty line and unemployment is 16.9%. Home values sit below the statewide ZIP benchmark: the median is $417,100 (46% below the average California ZIP), and median rent is $1,297; owner occupancy is 87.7%.
Educational attainment sits below the national norm: 21.9% of adults hold a bachelor's degree or higher, the median age is 53.7, and the average commute is -. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in Calaveras County, so 95246 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 →
Top industries in ZIP 95246
Top 5 sectors by establishment count in Mountain Ranch, CA
Which industries have the most business establishments in ZIP 95246.
- Construction
Construction
3 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
3 establishments
- Other services (except public administration)
Other services (except public administration)
3 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 95246, Mountain Ranch, 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
1,615
Population
134.6
Area (sq mi)
12
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95246?
53.7
Median Age
55.3%
Male
44.7%
Female
12.0%
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?
$98,269
Median Household Income
-3% vs state ZIP avg
$40,026
Per Capita Income
24.9%
Poverty Rate
16.9%
Unemployment Rate
How ZIP 95246 ranks among California ZIPs
Mountain Ranch, 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)
$98,269 Top 45% higher than 55% 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
769housing units
769
Total Housing Units
624
Occupied Units
145
Vacant Units
2.68
Avg Household Size
Occupancy Type
$417,100
Median Home Value
-46% vs state ZIP avg
$1,297
Median Rent
1994
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
+17.2%
YoY Change (2022)
241
HPI Index (2000 = 100)
+141%
Total Change Since 2000
Home values in ZIP 95246 have increased 17.2% over the past year (2022). Since 2000, this ZIP has seen +141% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2018 | -8.5% | 179 |
| 2019 | +2.4% | 183 |
| 2020 | -0.3% | 183 |
| 2021 | +12.3% | 206 |
| 2022 | +17.2% | 241 |
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 2022. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 20 business establishments in ZIP 95246, employing approximately 114 people with a combined annual payroll of $4,261,000.
20
Businesses
114
Employees
$4.3M
Annual Payroll
3
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 3 | 15.0% |
| Real estate and rental and leasing | 3 | 15.0% |
| Other services (except public administration) | 3 | 15.0% |
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 95246 vs 95248 →
ZIP 95246 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95247
Murphys (95247)
4,368 residents
- 95249
San Andreas (95249)
4,042 residents
- 95245
Mokelumne Hill (95245)
2,277 residents
- 95310
Columbia (95310)
1,882 residents
- 95246 1,615
Mountain Ranch (95246)
1,615 residents
- 95233 436
Hathaway Pines (95233)
436 residents
- 95257 413
Wilseyville (95257)
413 residents
- 95232 304
Glencoe (95232)
304 residents
- 95248 301
Rail Road Flat (95248)
301 residents
What this shows Among its immediate neighbors, ZIP 95246 ranks #5 by population - useful context the national average alone can't give.
ZIP 95246 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
- 95245
Mokelumne Hill (95245)
$84,405 median income
- 95247
Murphys (95247)
$76,333 median income
- 95257
Wilseyville (95257)
$71,437 median income
- 95232
Glencoe (95232)
$71,023 median income
- 95310
Columbia (95310)
$54,697 median income
- 95233
Hathaway Pines (95233)
$50,972 median income
- 95249
San Andreas (95249)
$45,302 median income
What this shows By household income, ZIP 95246 ranks the highest of 8 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 95248 | Rail Road Flat, CA | 301 | 7.0 mi |
| 95249 | San Andreas, CA | 4,042 | 6.6 mi |
| 95247 | Murphys, CA | 4,368 | 7.4 mi |
| 95245 | Mokelumne Hill, CA | 2,277 | 7.2 mi |
| 95232 | Glencoe, CA | 304 | 9.4 mi |
| 95233 | Hathaway Pines, CA | 436 | 8.9 mi |
| 95257 | Wilseyville, CA | 413 | 11.0 mi |
| 95310 | Columbia, CA | 1,882 | 12.6 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95246, 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 (1,615 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 95246 in?
ZIP code 95246 (Mountain Ranch) 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 95246?
ZIP code 95246 in Mountain Ranch, CA has a population of 1,615 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95246?
The median household income in ZIP 95246 is $98,269, which is 29% above the national average of $76,288.
What is the average home value in ZIP 95246?
The median home value in ZIP 95246 is $417,100, which is 50% above the national average of $278,155.
What is the demographic makeup of ZIP 95246?
The largest racial group in ZIP 95246 is White at 88.1%. Hispanic or Latino residents make up 0.3% of the population.
How many businesses are in ZIP code 95246?
ZIP code 95246 has 20 business establishments employing approximately 114 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95246?
The top industries by establishment count in ZIP 95246 are: Construction (3), Real estate and rental and leasing (3), Other services (except public administration) (3). There are 3 industry sectors represented in total.
How have home values changed in ZIP code 95246?
According to the FHFA House Price Index, home values in ZIP 95246 increased by 17.2% in 2022. Since 2000, home values in this ZIP have appreciated by approximately 141%. 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 95246?
In ZIP code 95246, 64.7% of residents aged 25+ have a high school diploma or higher, and 21.9% 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 95246?
In ZIP code 95246, approximately 87.7% of occupied housing units are owner-occupied and 12.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95246?
The poverty rate in ZIP code 95246 is 24.9% 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 95246's numbers, next.
- See how ZIP 95246 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Mountain Ranch, 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.