ZIP Code 95746 — Granite Bay, California

The median home in 95746 is valued at $965,500 against a median household income of $173,034, a price-to-income ratio of 5.6. That is below the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, though it is among the more attainable ratios in the state. Within Placer County, 95746 ranks 10 of 27 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.9. Renting takes 17.9% of median household income (median rent $2,576 a month), under the 30% cost-burden threshold.

95746 ranks 92 of 1,558 statewide on median household income and 337 of 1,558 on median home value; its income is far above the $105,789 Placer County median. 90% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 59% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 5.2%, far below the 10.8% statewide ZIP median and among the lowest in the state. Unemployment stands at 3.8%.

With 1,236 residents per square mile across 18.4 square miles of land, 95746 is denser than the statewide ZIP median of 1,120 (rank 765 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.