Cool, CA · standard
ZIP Code 95614
El Dorado County, California — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,833
- 42/sq mi
- $133,426
- Median income
- $584,600
- Median home value
- 36.4%
- Bachelor's or higher
The verdict
Cool pairs a top-decile household income with top-decile home values, in a rural, homeowner-dominated area.
- Top 6%
- household income, US ZIPs
- Top 10%
- home value, US ZIPs
- 42
- people per sq mi
- 95%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95614 against every reporting US ZIP.
ZIP code 95614 is classified by USPS as a standard delivery area and covers roughly 91.9 square miles in Cool, El Dorado County, California. The area is home to 3,833 residents, producing a population density of 42 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 95614 against California and the nation.
On the economic side, the median household income for ZIP 95614 sits at $133,426 (31% above the California average), while per-capita income is $64,146. The poverty rate stands at 6.9% and the unemployment rate at 3.7%. On housing, the median home value is $584,600 (24% below the state average) with median rent at — per month, and 94.5% of occupied units are owner-occupied, a direct signal of whether 95614 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 36.4% of adults hold a bachelor's degree or higher, the median age is 52.1, and the average commute is —. We also surface 7 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing El Dorado County, so you can benchmark 95614 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 →
Top industries in ZIP 95614
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 95614.
- Construction
Construction
10 establishments
- Retail trade
Retail trade
9 establishments
- Accommodation and food services
Accommodation and food services
8 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
7 establishments
- Health care and social assistance
Health care and social assistance
5 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 95614, Cool, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
3,833
Population
91.9
Area (sq mi)
42
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95614?
52.1
Median Age
48.0%
Male
52.0%
Female
9.6%
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?
$133,426
Median Household Income
+31% vs state
$64,146
Per Capita Income
6.9%
Poverty Rate
3.7%
Unemployment Rate
How ZIP 95614 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$133,426 Top 6% higher than 94% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
1,691
Total Housing Units
1,596
Occupied Units
95
Vacant Units
2.48
Avg Household Size
Occupancy Type
$584,600
Median Home Value
-24% vs state
1985
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
+10.8%
YoY Change (2024)
253
HPI Index (2000 = 100)
+153%
Total Change Since 2000
Home values in ZIP 95614 have increased 10.8% over the past year (2024). Since 2000, this ZIP has seen +153% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.2% | 191 |
| 2021 | +11.4% | 213 |
| 2022 | +27.2% | 271 |
| 2023 | -16.0% | 228 |
| 2024 | +10.8% | 253 |
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 54 business establishments in ZIP 95614, employing approximately 404 people with a combined annual payroll of $19,316,000.
54
Businesses
404
Employees
$19.3M
Annual Payroll
7
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 10 | 18.5% |
| Retail trade | 9 | 16.7% |
| Accommodation and food services | 8 | 14.8% |
| Professional, scientific, and technical services | 7 | 13.0% |
| Health care and social assistance | 5 | 9.3% |
| Administrative and support and waste management and remediation services | 4 | 7.4% |
| Other services (except public administration) | 3 | 5.6% |
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 95614 vs 95635 →
ZIP 95614 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95603
Auburn (95603)
27,844 residents
- 95602
Auburn (95602)
17,509 residents
- 95722 4,585
Meadow Vista (95722)
4,585 residents
- 95614 3,833
Cool (95614)
3,833 residents
- 95664 1,380
Pilot Hill (95664)
1,380 residents
- 95635 1,262
Greenwood (95635)
1,262 residents
- 95703 897
Applegate (95703)
897 residents
- 95651 637
Lotus (95651)
637 residents
What this shows Among its immediate neighbors, ZIP 95614 ranks #4 by population — useful context the national average alone can't give.
ZIP 95614 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95614
Cool (95614)
$133,426 median income
- 95722
Meadow Vista (95722)
$125,625 median income
- 95664
Pilot Hill (95664)
$117,901 median income
- 95651
Lotus (95651)
$103,537 median income
- 95635
Greenwood (95635)
$101,250 median income
- 95703
Applegate (95703)
$100,214 median income
- 95602
Auburn (95602)
$97,466 median income
- 95603
Auburn (95603)
$85,357 median income
What this shows By household income, ZIP 95614 ranks the highest of 8 neighboring ZIPs — local affluence varies block to block, not just metro to metro.
More ZIP Codes in El Dorado County
Related Areas
Frequently Asked Questions
What county is ZIP code 95614 in? ▼
What is the population of ZIP code 95614? ▼
What is the median household income in ZIP 95614? ▼
What is the average home value in ZIP 95614? ▼
What is the demographic makeup of ZIP 95614? ▼
How many businesses are in ZIP code 95614? ▼
What are the main industries in ZIP code 95614? ▼
How have home values changed in ZIP code 95614? ▼
What is the education level in ZIP code 95614? ▼
What percentage of residents own vs. rent in ZIP 95614? ▼
What is the poverty rate in ZIP code 95614? ▼
ZIP Code Research Guides
Official Data Resources for Cool, CA
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.