Granite Bay, CA · standard
ZIP Code 95746
Placer County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 21,460
- 469/sq mi High-density area
- $183,305
- Median income Above-median income area
- $1,099,500
- Median home value Above-median home value
- 62.3%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Granite Bay pairs a top-decile household income with top-decile home values, in a low-density, homeowner-dominated area.
- Top 2%
- household income, US ZIPs
- Top 2%
- home value, US ZIPs
- 469
- people per sq mi
- 89%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95746 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 95746 (Granite Bay, CA) fell -1.6% from 2023 to 2024. The all-transactions index moved from 285.2 in 2023 to 280.6 in 2024 (2000 = 100).
ZIP code 95746 is a densely settled ZIP (a standard USPS delivery area) in Granite Bay, Placer County, California, with 21,460 residents across 45.7 square miles, a density of 469 people per square mile, in the Los Angeles time zone.
ZIP 95746 skews affluent, with a median household income of $183,305 (80% above the average California ZIP), while per-capita income is $84,058. The poverty rate is 5.4%, with unemployment at 4.5%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $1,099,500 (42% above the average California ZIP), while 88.8% of occupied homes are owner-occupied and median rent is $2,921.
This is a highly-educated ZIP: 62.3% of adults hold a bachelor's degree or higher, the median age is 48, and the average commute is 26 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Placer County, so 95746 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 95746
Top 5 sectors by establishment count in Granite Bay, CA
Which industries have the most business establishments in ZIP 95746.
- Professional, scientific, and technical services
Professional, scientific, and technical services
125 establishments
- Health care and social assistance
Health care and social assistance
92 establishments
- Construction
Construction
82 establishments
- Finance and insurance
Finance and insurance
55 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
55 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 95746, Granite Bay, 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
21,460
Population
45.7
Area (sq mi)
469
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95746?
48.0
Median Age
48.3%
Male
51.7%
Female
10.3%
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?
$183,305
Median Household Income
+80% vs state ZIP avg
$84,058
Per Capita Income
5.4%
Poverty Rate
4.5%
Unemployment Rate
26.1 min
Mean Commute Time
How ZIP 95746 ranks among California ZIPs
Granite Bay, 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)
$183,305 Top 6% higher than 94% 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
8,402housing units
8,402
Total Housing Units
7,955
Occupied Units
447
Vacant Units
2.86
Avg Household Size
Occupancy Type
$1,099,500
Median Home Value
+42% vs state ZIP avg
$2,921
Median Rent
1990
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
-1.6%
YoY Change (2024)
281
HPI Index (2000 = 100)
+181%
Total Change Since 2000
Home values in ZIP 95746 have decreased 1.6% over the past year (2024). Since 2000, this ZIP has seen +181% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.0% | 202 |
| 2021 | +12.7% | 228 |
| 2022 | +13.6% | 259 |
| 2023 | +10.1% | 285 |
| 2024 | -1.6% | 281 |
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 634 business establishments in ZIP 95746, employing approximately 4,406 people with a combined annual payroll of $282,509,000.
634
Businesses
4,406
Employees
$282.5M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 125 | 19.7% |
| Health care and social assistance | 92 | 14.5% |
| Construction | 82 | 12.9% |
| Finance and insurance | 55 | 8.7% |
| Real estate and rental and leasing | 55 | 8.7% |
| Administrative and support and waste management and remediation services | 43 | 6.8% |
| Accommodation and food services | 41 | 6.5% |
| Other services (except public administration) | 38 | 6.0% |
| Retail trade | 35 | 5.5% |
| Wholesale trade | 17 | 2.7% |
| Arts, entertainment, and recreation | 15 | 2.4% |
| Educational services | 14 | 2.2% |
| Manufacturing | 8 | 1.3% |
| Information | 7 | 1.1% |
| Transportation and warehousing | 5 | 0.8% |
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 95746 vs 95650 →
ZIP 95746 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95630
Folsom (95630)
72,180 residents
- 95610
Citrus Heights (95610)
44,147 residents
- 95678
Roseville (95678)
41,192 residents
- 95765
Rocklin (95765)
33,974 residents
- 95662
Orangevale (95662)
31,558 residents
- 95661
Roseville (95661)
29,791 residents
- 95677 23,333
Rocklin (95677)
23,333 residents
- 95746 21,460
Granite Bay (95746)
21,460 residents
- 95650 12,447
Loomis (95650)
12,447 residents
What this shows Among its immediate neighbors, ZIP 95746 ranks #8 by population - useful context the national average alone can't give.
ZIP 95746 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95746
Granite Bay (95746)
$183,305 median income
- 95663
Penryn (95663)
$155,917 median income
- 95630
Folsom (95630)
$139,642 median income
- 95765
Rocklin (95765)
$138,090 median income
- 95658
Newcastle (95658)
$126,581 median income
- 95650
Loomis (95650)
$117,912 median income
- 95661
Roseville (95661)
$105,925 median income
- 95677
Rocklin (95677)
$105,713 median income
- 95678
Roseville (95678)
$100,554 median income
What this shows By household income, ZIP 95746 ranks the highest of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 95650 | Loomis, CA | 12,447 | 4.3 mi |
| 95661 | Roseville, CA | 29,791 | 3.7 mi |
| 95677 | Rocklin, CA | 23,333 | 4.0 mi |
| 95662 | Orangevale, CA | 31,558 | 4.8 mi |
| 95663 | Penryn, CA | 2,377 | 7.2 mi |
| 95678 | Roseville, CA | 41,192 | 5.8 mi |
| 95630 | Folsom, CA | 72,180 | 6.2 mi |
| 95610 | Citrus Heights, CA | 44,147 | 6.2 mi |
| 95658 | Newcastle, CA | 6,285 | 9.0 mi |
| 95765 | Rocklin, CA | 33,974 | 7.0 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95746, 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 (21,460 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Placer County
Related Areas
Frequently Asked Questions
What county is ZIP code 95746 in?
ZIP code 95746 (Granite Bay) is located in Placer County, California. Placer County contains multiple ZIP codes, see the full list at /counties/placer-ca.
What is the population of ZIP code 95746?
ZIP code 95746 in Granite Bay, CA has a population of 21,460 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95746?
The median household income in ZIP 95746 is $183,305, which is 140% above the national average of $76,288.
What is the average home value in ZIP 95746?
The median home value in ZIP 95746 is $1,099,500, which is 295% above the national average of $278,155.
What is the demographic makeup of ZIP 95746?
The largest racial group in ZIP 95746 is White at 74.5%. Hispanic or Latino residents make up 8.7% of the population.
How many businesses are in ZIP code 95746?
ZIP code 95746 has 634 business establishments employing approximately 4,406 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95746?
The top industries by establishment count in ZIP 95746 are: Professional, scientific, and technical services (125), Health care and social assistance (92), Construction (82). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 95746?
According to the FHFA House Price Index, home values in ZIP 95746 decreased by 1.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 181%. 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 95746?
In ZIP code 95746, 73.0% of residents aged 25+ have a high school diploma or higher, and 62.3% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 95746?
The mean commute time for workers in ZIP code 95746 is 26.1 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 95746?
In ZIP code 95746, approximately 88.8% of occupied housing units are owner-occupied and 11.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95746?
The poverty rate in ZIP code 95746 is 5.4% 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 95746's numbers, next.
- See how ZIP 95746 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Granite Bay, 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.