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 Moderate-density area
- $133,426
- Median income Above-median income area
- $584,600
- Median home value Above-median home value
- 36.4%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 95614 (Cool, CA) rose +10.8% from 2023 to 2024. The all-transactions index moved from 228.0 in 2023 to 252.6 in 2024 (2000 = 100).
ZIP code 95614 covers 91.9 square miles in Cool, El Dorado County, California (a standard USPS delivery area), with a modest 3,833 residents on file, a density of 42 people per square mile, in the Los Angeles time zone.
ZIP 95614 skews affluent, with a median household income of $133,426 (31% above the average California ZIP), while per-capita income is $64,146. Both reported hardship measures are comparatively low in absolute terms: poverty is 6.9% and unemployment is 3.7%. Home values sit below the statewide ZIP benchmark: the median is $584,600 (24% below the average California ZIP); owner occupancy is 94.5%.
A solid share of residents have a four-year degree: 36.4% of adults hold a bachelor's degree or higher, the median age is 52.1, and the average commute is -. The page also surfaces 7 ZIP codes within roughly 10 miles and 6 more in El Dorado County, so 95614 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 95614
Top 5 sectors by establishment count in Cool, CA
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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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 ZIP avg
$64,146
Per Capita Income
6.9%
Poverty Rate
3.7%
Unemployment Rate
How ZIP 95614 ranks among California ZIPs
Cool, 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)
$133,426 Top 20% higher than 80% 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
1,691housing units
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 ZIP avg
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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95614, 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 (3,833 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in El Dorado County
Related Areas
Frequently Asked Questions
What county is ZIP code 95614 in?
ZIP code 95614 (Cool) is located in El Dorado County, California. El Dorado County contains multiple ZIP codes, see the full list at /counties/el-dorado-ca.
What is the population of ZIP code 95614?
ZIP code 95614 in Cool, CA has a population of 3,833 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95614?
The median household income in ZIP 95614 is $133,426, which is 75% above the national average of $76,288.
What is the average home value in ZIP 95614?
The median home value in ZIP 95614 is $584,600, which is 110% above the national average of $278,155.
What is the demographic makeup of ZIP 95614?
The largest racial group in ZIP 95614 is White at 79.7%. Hispanic or Latino residents make up 16.8% of the population.
How many businesses are in ZIP code 95614?
ZIP code 95614 has 54 business establishments employing approximately 404 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95614?
The top industries by establishment count in ZIP 95614 are: Construction (10), Retail trade (9), Accommodation and food services (8). There are 7 industry sectors represented in total.
How have home values changed in ZIP code 95614?
According to the FHFA House Price Index, home values in ZIP 95614 increased by 10.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 153%. 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 95614?
In ZIP code 95614, 60.5% of residents aged 25+ have a high school diploma or higher, and 36.4% 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 95614?
In ZIP code 95614, approximately 94.5% of occupied housing units are owner-occupied and 5.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95614?
The poverty rate in ZIP code 95614 is 6.9% 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 95614's numbers, next.
- See how ZIP 95614 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cool, CA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.