95223 ZIP Code — Arnold, CA

Calaveras County, California

ZIP code 95223 is located in Arnold, California, within Calaveras County. It covers approximately 426.79 square miles and serves a population of 2,470 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 209.

About ZIP code 95223

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $407,600. Owner-occupancy is high at 88%, well above the national average.

Median household income is $97,574. The poverty rate of 6% is below the national average. 52% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average. Remote work is prevalent — 43% of workers work from home.

Educational attainment is near the national average, with 44% of residents holding a bachelor's degree or higher.

Overall, ZIP code 95223 reflects a community defined by high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

2,470

population

426.79

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95223 ZIP code map

Cities in ZIP code 95223

Below are the cities the US Postal Service accepts for ZIP code 95223. Using any city not on this list may result in mail delivery delays.

City	Status
Arnold	Acceptable
Arnold	Preferred

Nearby ZIP codes

95255 West Point (12.5 mi) 95364 Pinecrest (13.3 mi) 95257 Wilseyville (15.2 mi) 95335 Long Barn (15.6 mi) 95666 Pioneer (16.7 mi)

Demographics updated 06/2026

Population
Total population	2,470
Population density	6 / sq mi
State FIPS	06
County FIPS	009

Geography
Land area	426.79 sq mi
Water area	1.77 sq mi
Latitude	38.3708
Longitude	-120.1614
Timezone	Pacific (PT)
Area code	209

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	39.3%	37.5%	32.6%
$50k – $100k	29.8%	32.8%	27.7%
$100k – $200k	22.5%	23.6%	26.4%
Over $200k	8.4%	6.1%	13.3%

Demographics & statistics

2,470

Population

People per sq mi

61.8

Median age

$97,574

Median household income

$62,716

Per capita income

$407,600

Median home value

$1,115

Median monthly rent

87.5%

Home ownership

6.1%

Poverty rate

5.6%

Unemployment

7,077

Housing units

43.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

112

25–34

107

102

35–44

45–54

141

55–59

136

128

60–64

123

332

65–74

319

162

75–84

156

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	222	9.0%
18 and over	2,248	91.0%
65 and over	1,099	44.5%
Median age	61.8 years

Race & ethnicity

White 90.5%

American Indian / Alaska Native 2.6%

Hispanic or Latino 2.4%

Two or more races 2.4%

Asian 1.2%

Other race 0.6%

Native Hawaiian / Pacific Islander 0.3%

Group	Count	%
White	2,291	90.5%
American Indian / Alaska Native	67	2.6%
Hispanic or Latino	61	2.4%
Two or more races	61	2.4%
Asian	30	1.2%
Other race	14	0.6%
Native Hawaiian / Pacific Islander	7	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	39.3%	37.5%	32.6%
$50k – $100k	29.8%	32.8%	27.7%
$100k – $200k	22.5%	23.6%	26.4%
Over $200k	8.4%	6.1%	13.3%

Under $10k 1.1%

$10k–$15k 4.1%

$15k–$25k 8.7%

$25k–$35k 10.5%

$35k–$50k 6.5%

$50k–$75k 9.6%

$75k–$100k 12.3%

$100k–$150k 20.8%

$150k–$200k 15.3%

$200k+ 11.3%

Range	% of households
Under $10k	1.1%
$10k–$15k	4.1%
$15k–$25k	8.7%
$25k–$35k	10.5%
$35k–$50k	6.5%
$50k–$75k	9.6%
$75k–$100k	12.3%
$100k–$150k	20.8%
$150k–$200k	15.3%
$200k+	11.3%
Median income	$97,574

Housing

Home values

Under $50k 0.1%

$100k–$150k 6.2%

$150k–$200k 2.1%

$200k–$300k 23.4%

$300k–$500k 28.9%

$500k–$1M 34.5%

$1M+ 4.7%

Housing overview

Metric	Value
Median home value	$407,600
Median rent / month	$1,115
Owner occupied	87.5%
Renter occupied	12.5%
Vacant	83.1%
Single-family detached	94.6%
Large apartment buildings	0.6%
Mobile homes	1.1%
Median rooms	5.4
Avg household size (owned)	1.94

Year built

Era	%
2020 or later	0.0%
2010–2019	1.5%
2000–2009	7.8%
1990–1999	18.4%
1980–1989	30.7%
1970–1979	20.5%
1960–1969	15.2%
1950–1959	1.8%
1940–1949	2.7%
1939 or earlier	1.5%

Bedrooms

Size	% of units
No bedroom (studio)	1.6%
1 bedroom	8.4%
2 bedrooms	24.0%
3 bedrooms	55.0%
4 bedrooms	9.9%
5+ bedrooms	1.2%

Vehicles per household

Vehicles	% of households
No vehicle	1.8%
1 vehicle	24.0%
2 vehicles	46.6%
3 or more	27.6%

Heating fuel

Fuel type	%
Utility gas	5.6%
Electricity	8.4%
Propane / LP gas	51.7%
Fuel oil	0.4%
Wood	29.2%
No fuel used	0.7%

Households & families

Household type	Count	%
Married-couple family	733	59.9%
Cohabiting couple	44	3.6%
Male householder, no spouse	288	23.5%
Female householder, no spouse	159	13.0%
Households with children under 18	75	6.1%
Households with seniors (65+)	676	55.2%
Average household size	2.02

Marital status

Status	Male	Female
Never married	13.6%	6.0%
Married	65.4%	76.6%
Separated	4.4%	0.0%
Widowed	4.9%	7.9%
Divorced	11.6%	9.5%

Education

Less than 9th grade 0.0%

Some HS, no diploma 9.8%

HS graduate 17.8%

Some college, no degree 18.6%

Associate's degree 9.9%

Bachelor's degree 22.2%

Graduate / professional 21.7%

Metric	%
HS diploma or higher	90.2%
Bachelor's or higher	43.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	170	82.5%
High school	9	4.4%
College / grad school	27	13.1%

Employment

Industry of employment

Education & healthcare 17.7%

Arts, food & hospitality 16.5%

Professional & management 13.3%

Construction 11.7%

Transportation & utilities 9.1%

Retail trade 8.7%

Finance & real estate 5.9%

Manufacturing 5.6%

Agriculture & mining 5.1%

Other services 3.9%

Information 0.9%

Public administration 0.8%

Wholesale trade 0.6%

Occupation

Category	%
Management, business & arts	41.1%
Service	24.3%
Sales & office	17.2%
Natural resources & construction	6.6%
Production & transportation	10.7%

Employment type

Type	%
Private sector	68.3%
Government	25.5%
Self-employed	5.3%
Unpaid family workers	0.9%

Commute

Method	%
Drive alone	46.5%
Carpool	3.2%
Public transit	2.4%
Walk	3.9%
Work from home	42.5%
Other means	1.5%
Avg commute (minutes)	26.3

Poverty

All people 6.1%

Under 18 years 11.7%

18 and over 5.5%

Married-couple families 2.3%

Female-led households 24.4%

Income support

Source	% of households
Social Security	51.6%
Retirement income	51.1%
Supplemental Security	1.4%
Cash public assistance	1.3%
Food stamps / SNAP	2.0%

Health indicators

Condition	%
Obesity	29.5%
High blood pressure	36.8%
High cholesterol	37.9%
Diabetes	11.5%
Heart disease	8.4%
Stroke	3.7%
Asthma	9.9%
Arthritis	30.5%
Kidney disease	3.5%
Pulmonary disease	8.4%
Cancer	9.4%

Behavior / access	%
Smoking	12.0%
Binge drinking	16.0%
No physical activity	18.5%
Less than 7 hrs sleep	29.2%
Depression	17.9%
Fair or poor health	14.5%
Poor mental health	12.8%
Poor physical health	11.4%
No health insurance	7.6%
Visited doctor (checkup)	71.6%
Visited dentist	70.3%
Cholesterol screening	94.6%
Teeth loss	9.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	206	9.2%

Disability	%
Any disability	20.0%
Under 18	22.5%
18–64 years	14.3%
65 and over	25.4%

Health insurance coverage

Type	%
Private insurance	65.7%
Public insurance	56.4%
No insurance	4.2%
Uninsured under 19	20.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,427	98.3%
Spanish	9	0.4%
Other Indo-European	8	0.3%
Asian & Pacific Islander	0	0.0%
Other languages	1	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,352	95.2%
Born in same state	2,343	94.9%
Born in different state	1,672	67.7%
Foreign born	9	0.4%
Naturalized citizen	118	4.8%
Not a US citizen	97	82.2%

Ancestry

Ancestry	Count	%
French	447	18.1%
Italian	390	15.8%
Polish	84	3.4%
Dutch	67	2.7%

Ancestry	Count	%
Norwegian	30	1.2%
Arab	22	0.9%
English	13	0.5%

Technology access

Metric	% of households
Computer access	49.6%
Internet access	100.0%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 95223

What city is ZIP code 95223 in?

ZIP code 95223 is primarily assigned to Arnold, California.

What county is ZIP code 95223 in?

ZIP code 95223 falls within Calaveras County, California.

Does ZIP code 95223 have an older population?

45% of residents in ZIP code 95223 are 65 or older, above the national average of ~17%.

Does ZIP code 95223 have a large retiree population?

52% of households in ZIP code 95223 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 95223 mostly owner-occupied?

88% of occupied units in ZIP code 95223 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 95223?

The median home value in ZIP code 95223 is $407,600.

What timezone is ZIP code 95223 in?

ZIP code 95223 observes the PST timezone.