ZIP Code 95246 — Mountain Ranch, California

The median home in 95246 is valued at $325,000 against a median household income of $90,658, a price-to-income ratio of 3.6. That is below the 6.7 median across the 1,558 California ZIP codes with published housing data, and past the 3.0 ratio that marks an attainable market nationally. Within Calaveras County, 95246 ranks 2 of 12 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.8. Renting takes 40.5% of median household income (median rent $3,056 a month), above the 30% cost-burden threshold.

95246 ranks 720 of 1,558 statewide on median household income and 1,273 of 1,558 on median home value; its income is above the $85,243 Calaveras County median. 89% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 21% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 19.8%, far above the 10.8% statewide ZIP median. Unemployment stands at 5.0%.

With 22 residents per square mile across 69.1 square miles of land, 95246 is far less dense than the statewide ZIP median of 1,120 (rank 1,338 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.