Smartsville, CA · standard

ZIP Code 95977

Nevada County, California — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

1,678
17/sq mi
$104,545
Median income
$441,700
Median home value
22.2%
Bachelor's or higher

The verdict

Smartsville pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 16%
household income, US ZIPs
Top 17%
home value, US ZIPs
17
people per sq mi
96%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95977 against every reporting US ZIP.

ZIP code 95977 is classified by USPS as a standard delivery area and covers roughly 101.1 square miles in Smartsville, Nevada County, California. The area is home to 1,678 residents, producing a population density of 17 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 95977 against California and the nation.

On the economic side, the median household income for ZIP 95977 sits at $104,545 (3% above the California average), while per-capita income is $40,817. The poverty rate stands at 11.5% and the unemployment rate at 0.0%. On housing, the median home value is $441,700 (43% below the state average) with median rent at per month, and 96.1% of occupied units are owner-occupied, a direct signal of whether 95977 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 22.2% of adults hold a bachelor's degree or higher, the median age is 40.7, and the average commute is . We also surface 5 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Nevada County, so you can benchmark 95977 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 95977

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 95977.

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 95977, Smartsville, 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

1,678

Population

101.1

Area (sq mi)

17

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 95977?

40.7

Median Age

47.4%

Male

52.6%

Female

7.5%

Foreign-Born

White 73.9%
African American 1.0%
Asian 3.2%
American Indian or Alaska Native 2.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 16.7%
Hispanic or Latino 16.9%

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?

$104,545

Median Household Income

+3% vs state

$40,817

Per Capita Income

11.5%

Poverty Rate

0.0%

Unemployment Rate

How ZIP 95977 ranks nationally

Household income vs. every US ZIP code

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

$104,545 Top 16% higher than 84% 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%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $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 48.4%
Bachelor's Degree or Higher 22.2%

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

What does housing look like?

830

Total Housing Units

710

Occupied Units

120

Vacant Units

2.49

Avg Household Size

Occupancy Type

Owner 96.1%
Renter 3.9%

$441,700

Median Home Value

-43% vs state

1997

Median Year Built

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

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+3.6%

YoY Change (2024)

243

HPI Index (2000 = 100)

+143%

Total Change Since 2000

Home values in ZIP 95977 have increased 3.6% over the past year (2024). Since 2000, this ZIP has seen +143% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.8% 194
2021 +12.7% 218
2022 +23.2% 269
2023 -12.7% 235
2024 +3.6% 243

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 17 business establishments in ZIP 95977, employing approximately 89 people with a combined annual payroll of $6,090,000.

17

Businesses

89

Employees

$6.1M

Annual Payroll

3

Industry Sectors

Industry Establishments % of Total
Construction 4 23.5%
Retail trade 3 17.6%
Other services (except public administration) 3 17.6%

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 95977 vs 95946 →

ZIP 95977 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 95977 ranks #6 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 95977 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 95977 ranks the highest of 6 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
95946 Penn Valley, CA 9,790 5.3 mi
95903 Beale Afb, CA 1,732 6.7 mi
95918 Browns Valley, CA 2,339 8.6 mi
95975 Rough And Ready, CA 1,769 8.0 mi
95692 Wheatland, CA 4,769 11.0 mi

More ZIP Codes in Nevada County

Frequently Asked Questions

What county is ZIP code 95977 in?
ZIP code 95977 (Smartsville) is located in Nevada County, California. Nevada County contains multiple ZIP codes, see the full list at /counties/nevada-ca.
What is the population of ZIP code 95977?
ZIP code 95977 in Smartsville, CA has a population of 1,678 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95977?
The median household income in ZIP 95977 is $104,545, which is 37% above the national average of $76,288.
What is the average home value in ZIP 95977?
The median home value in ZIP 95977 is $441,700, which is 59% above the national average of $278,155.
What is the demographic makeup of ZIP 95977?
The largest racial group in ZIP 95977 is White at 73.9%. Hispanic or Latino residents make up 16.9% of the population.
How many businesses are in ZIP code 95977?
ZIP code 95977 has 17 business establishments employing approximately 89 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95977?
The top industries by establishment count in ZIP 95977 are: Construction (4), Retail trade (3), Other services (except public administration) (3). There are 3 industry sectors represented in total.
How have home values changed in ZIP code 95977?
According to the FHFA House Price Index, home values in ZIP 95977 increased by 3.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 143%. 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 95977?
In ZIP code 95977, 48.4% of residents aged 25+ have a high school diploma or higher, and 22.2% 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 95977?
In ZIP code 95977, approximately 96.1% of occupied housing units are owner-occupied and 3.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95977?
The poverty rate in ZIP code 95977 is 11.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

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Official Data Resources for Smartsville, CA

Verify and explore additional data for this area using these official government sources.