ZIP Code 95246

ZIP code 95246 is classified by USPS as a standard delivery area and covers roughly 134.6 square miles in Mountain Ranch, Calaveras County, California. The area is home to 1,615 residents, producing a population density of 12 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 95246 against California and the nation.

On the economic side, the median household income for ZIP 95246 sits at $98,269 (3% below the California average), while per-capita income is $40,026. The poverty rate stands at 24.9% and the unemployment rate at 16.9%. On housing, the median home value is $417,100 (46% below the state average) with median rent at $1,297 per month, and 87.7% of occupied units are owner-occupied, a direct signal of whether 95246 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 21.9% of adults hold a bachelor's degree or higher, the median age is 53.7, and the average commute is —. We also surface 8 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Calaveras County, so you can benchmark 95246 against its immediate geography rather than a national average alone. 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 →