Residential delivery area · California
ZIP Code 95685: Sutter Creek, CA
ZIP code 95685 uses the postal name Sutter Creek, California and lies entirely in Amador County (Census 2020 ZIP-county file). About 4,700 people live there (Census Bureau, ACS 2020-2024). Median household income is $83,878 (Census Bureau, ACS 2020-2024). By Census place, 7% of its land lies in Sutter Creek, and under 1% in smaller places; 93% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Sutter Creek · its only residential ZIP
- County
- Amador County
- Census places
- Sutter Creek
- House district
- CA-5 119th Congress
- State
- California
- Time zone
- Pacific
- Land area
- 40.0 sq mi · 117 people per sq mi
Where is ZIP code 95685?
95685 centers on 38.434°, -120.762° and covers 40.0 square miles of land plus 0.0 of water. It borders 8 ZIP codes: 95601, 95699, 95642, 95665, 95629, 95669, 95689, 95640.
The map draws ZIP code areas only. For the streets inside 95685, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 95685 compare with the rest of Amador County?
| Measure | 95685 | In Amador County | In CA |
|---|---|---|---|
| People (ACS 2020-2024) | 4,690 | 4th of 12 | 1,139th of 1,802 |
| Median household income | $84k | 5th of 6 | 784th of 1,189 |
| Median home value | $569k | 2nd of 7 | 869th of 1,317 |
Its median household income is higher than in 67% of U.S. residential ZIP codes, and it is denser than 56% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 95685?
The 2020 Census counted 4,542 people in 95685; the ACS, which samples households over 2020-2024, estimates 4,690. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 4,690±533 (90% margin)
- 2020 Census count
- 4,542
- Households
- 2,092
- Median age
- 53.9
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 95685?
Of the 4,690 people the ACS estimates in 95685, 14.6% are under 18 and 37.7% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (78.7%), then Hispanic or Latino (11.6%).
- Under 1814.6%
- 18 to 6447.7%
- 65 and older37.7%
- White, not Hispanic78.7%
- Hispanic or Latino11.6%
- Other or two or more8.8%
- Black, not Hispanic0.5%
- Asian, not Hispanic0.4%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 95685 earn?
Median household income is $83,878 (ACS 2020-2024), the 5th highest of the 6 ranked ZIP codes in Amador County.
- Median household income
- $83,878±$20,404
- Income per person
- $54,427
- Below the poverty line
- 9.5%
- Unemployed (of the labor force)
- 7.7%
- Adults 25+ with a bachelor's degree
- 27.4%
- Adjusted gross income per tax return, 2022
- $91,7532,170 returns; wages 56% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 95685?
FHFA's house price index for 95685, built from repeat sales and appraisals of the same homes, rose 69% from 2015 to 2025 and rose 27% from 2020 to 2025, and moved +6.6% in 2025.
- Median home value (owners' estimate)
- $569,100
- Median gross rent
- $1,579
- Homes owned by their occupants
- 70.0%
- Housing units
- 2,447
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 95685?
130 business establishments had a location in this ZIP code in 2023, 18 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade28
- Professional, scientific, and technical services18
- Other services (except public administration)18
- Health care and social assistance14
- Accommodation and food services14
- Construction13
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 95685?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 95601 | Amador City | 294 | $94k | 3.7 mi |
| 95699 | Drytown | 147 | $250k+ | 5.2 mi |
| 95642 | Jackson | 7,135 | $81k | 6.3 mi |
| 95665 | Pine Grove | 4,465 | $87k | 6.5 mi |
| 95629 | Fiddletown | 813 | $91k | 6.8 mi |
| 95669 | Plymouth | 2,118 | $90k | 8.0 mi |
| 95689 | Volcano | 1,429 | $123k | 8.3 mi |
| 95640 | Ione | 13,926 | $97k | 11.6 mi |
| 95675 | River Pines | 374 | – | 7.8 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.