PlainZIP

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
$98,269
Median income
$417,100
Median home value
21.9%
Bachelor's or higher

The verdict

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 California average), while per-capita income is $40,026. Local economic indicators show a 24.9% poverty rate alongside 16.9% unemployment. The typical home here is valued at $417,100 (46% below the state average); renters pay a median of $1,297 monthly, and 87.7% of units are owner-occupied.

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 -. Beyond these figures, 8 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Calaveras County, letting you compare 95246 to its immediate surroundings rather than a national baseline alone.

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.

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 + 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

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 95246?

53.7

Median Age

55.3%

Male

44.7%

Female

12.0%

Foreign-Born

White 88.1%
African American 6.1%
Asian 1.2%
American Indian or Alaska Native 1.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.3%
Hispanic or Latino 0.3%

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

$40,026

Per Capita Income

24.9%

Poverty Rate

16.9%

Unemployment Rate

How ZIP 95246 ranks nationally

Mountain Ranch, CA household income vs. every US ZIP code

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

$98,269 Top 20% higher than 80% 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 64.7%
Bachelor's Degree or Higher 21.9%

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

What does housing look like?

769

Total Housing Units

624

Occupied Units

145

Vacant Units

2.68

Avg Household Size

Occupancy Type

Owner 87.7%
Renter 12.3%

$417,100

Median Home Value

-46% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 95246 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 95246 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 95246 ranks the highest 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
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

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 Mountain Ranch, CA California

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.

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