95614 ZIP Code — Cool, CA

El Dorado County, California

ZIP code 95614 is located in Cool, California, within El Dorado County. It covers approximately 31.76 square miles and serves a population of 4,479 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 530.

About ZIP code 95614

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 $470,300. Owner-occupancy is high at 89%, well above the national average.

Median household income is $114,479. 42% 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. An above-average commute of 44 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 21% of workers work from home.

Educational attainment is near the national average, with 34% of residents holding a bachelor's degree or higher.

Overall, ZIP code 95614 reflects a community defined by high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

4,479

population

31.76

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95614 ZIP code map

Cities in ZIP code 95614

Below are the cities the US Postal Service accepts for ZIP code 95614. Using any city not on this list may result in mail delivery delays.

City	Status
Cool	Acceptable
Cool	Preferred

Nearby ZIP codes

95651 Lotus (4.9 mi) 95635 Greenwood (5.1 mi) 95603 Auburn (5.3 mi) 95664 Pilot Hill (6.9 mi) 95703 Applegate (7.3 mi) 95722 Meadow Vista (8.6 mi) 95633 Garden Valley (8.7 mi) 95658 Newcastle (8.9 mi) 95602 Auburn (10.1 mi) 95663 Penryn (10.5 mi) 95672 Rescue (10.7 mi) 95650 Loomis (10.7 mi)

Demographics updated 05/2026

Population
Total population	4,479
Population density	141 / sq mi
State FIPS	06
County FIPS	017

Geography
Land area	31.76 sq mi
Water area	0.03 sq mi
Latitude	38.8833
Longitude	-120.9882
Timezone	Pacific (PT)
Area code	530

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	16.2%	30.3%	32.6%
$50k – $100k	33.0%	27.3%	27.7%
$100k – $200k	41.7%	28.3%	26.4%
Over $200k	9.1%	14.1%	13.3%

Demographics & statistics

4,479

Population

141

People per sq mi

53.7

Median age

$114,479

Median household income

$52,276

Per capita income

$470,300

Median home value

$1,932

Median monthly rent

89.2%

Home ownership

8.4%

Poverty rate

4.1%

Unemployment

1,619

Housing units

33.6%

Bachelor's or higher

Age distribution

Male Female

Under 5

140

5–9

155

105

10–14

115

158

15–19

173

20–24

201

25–34

222

245

35–44

269

186

45–54

204

244

55–59

268

263

60–64

290

295

65–74

324

132

75–84

146

100

85+

110

← Male

Female →

Age summary

Group	Count	%
Under 18	857	19.1%
18 and over	3,622	80.9%
65 and over	1,107	24.7%
Median age	53.7 years

Race & ethnicity

White 84%

Two or more races 5.9%

Hispanic or Latino 5.8%

Other race 3.2%

Asian 1.1%

Group	Count	%
White	3,998	84%
Two or more races	279	5.9%
Hispanic or Latino	278	5.8%
Other race	152	3.2%
Asian	50	1.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	16.2%	30.3%	32.6%
$50k – $100k	33.0%	27.3%	27.7%
$100k – $200k	41.7%	28.3%	26.4%
Over $200k	9.1%	14.1%	13.3%

Under $10k 1.8%

$10k–$15k 2.8%

$15k–$25k 1.6%

$25k–$35k 6.6%

$35k–$50k 3.5%

$50k–$75k 11.6%

$75k–$100k 11.4%

$100k–$150k 28.8%

$150k–$200k 21.5%

$200k+ 10.5%

Range	% of households
Under $10k	1.8%
$10k–$15k	2.8%
$15k–$25k	1.6%
$25k–$35k	6.6%
$35k–$50k	3.5%
$50k–$75k	11.6%
$75k–$100k	11.4%
$100k–$150k	28.8%
$150k–$200k	21.5%
$200k+	10.5%
Median income	$114,479

Housing

Home values

Under $50k 1.5%

$200k–$300k 4.3%

$300k–$500k 57.3%

$500k–$1M 36.8%

Housing overview

Metric	Value
Median home value	$470,300
Median rent / month	$1,932
Owner occupied	89.2%
Renter occupied	10.8%
Vacant	2.9%
Single-family detached	95.9%
Large apartment buildings	0.0%
Mobile homes	4.1%
Median rooms	6.1
Avg household size (owned)	2.55

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	9.5%
1990–1999	22.7%
1980–1989	37.5%
1970–1979	25.2%
1960–1969	3.5%
1950–1959	0.9%
1940–1949	0.7%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.0%
2 bedrooms	15.8%
3 bedrooms	68.4%
4 bedrooms	14.8%
5+ bedrooms	1.0%

Vehicles per household

Vehicles	% of households
No vehicle	1.0%
1 vehicle	17.2%
2 vehicles	30.5%
3 or more	51.3%

Heating fuel

Fuel type	%
Utility gas	6.7%
Electricity	11.4%
Propane / LP gas	63.4%
Fuel oil	1.2%
Wood	11.6%
Solar	5.8%

Households & families

Household type	Count	%
Married-couple family	1,087	61.9%
Cohabiting couple	61	3.5%
Male householder, no spouse	256	14.6%
Female householder, no spouse	352	20.0%
Households with children under 18	549	31.3%
Households with seniors (65+)	806	45.9%
Average household size	2.55

Marital status

Status	Male	Female
Never married	21.2%	18.1%
Married	60.6%	56.9%
Separated	0.6%	7.1%
Widowed	1.8%	9.1%
Divorced	15.9%	8.7%

Education

Less than 9th grade 1.9%

Some HS, no diploma 1.5%

HS graduate 28.8%

Some college, no degree 21.1%

Associate's degree 13.2%

Bachelor's degree 17.4%

Graduate / professional 16.2%

Metric	%
HS diploma or higher	96.7%
Bachelor's or higher	33.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	174	19.1%
Elementary school	323	35.5%
High school	266	29.3%
College / grad school	146	16.1%

Employment

Industry of employment

Education & healthcare 31.2%

Construction 12.5%

Professional & management 11.1%

Arts, food & hospitality 10.5%

Public administration 7.8%

Manufacturing 5.8%

Other services 5.8%

Retail trade 4.0%

Transportation & utilities 3.8%

Agriculture & mining 2.9%

Information 2.7%

Finance & real estate 1.9%

Occupation

Category	%
Management, business & arts	45.8%
Service	16.1%
Sales & office	16.0%
Natural resources & construction	14.9%
Production & transportation	7.2%

Employment type

Type	%
Private sector	70.5%
Government	20.6%
Self-employed	8.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	76.2%
Carpool	2.1%
Public transit	0.0%
Walk	0.4%
Work from home	20.5%
Other means	0.7%
Avg commute (minutes)	43.5

Poverty

All people 8.4%

Under 18 years 14.0%

18 and over 7.1%

Married-couple families 3.1%

Female-led households 0.0%

Income support

Source	% of households
Social Security	42.3%
Retirement income	42.7%
Supplemental Security	2.7%
Cash public assistance	4.7%
Food stamps / SNAP	5.2%

Health indicators

Condition	%
Obesity	28.9%
High blood pressure	30.7%
High cholesterol	34.5%
Diabetes	9.3%
Heart disease	6.5%
Stroke	2.8%
Asthma	10.0%
Arthritis	26.0%
Kidney disease	2.8%
Pulmonary disease	6.8%
Cancer	7.9%

Behavior / access	%
Smoking	12.1%
Binge drinking	18.4%
No physical activity	16.7%
Less than 7 hrs sleep	30.6%
Depression	18.8%
Fair or poor health	12.2%
Poor mental health	13.6%
Poor physical health	10.0%
No health insurance	7.1%
Visited doctor (checkup)	69.5%
Visited dentist	73.5%
Cholesterol screening	94.0%
Teeth loss	8.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	347	9.6%

Disability	%
Any disability	9.6%
Under 18	0.0%
18–64 years	7.3%
65 and over	22.4%

Health insurance coverage

Type	%
Private insurance	79.7%
Public insurance	40.7%
No insurance	1.4%
Uninsured under 19	1.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,385	97.9%
Spanish	81	1.8%
Other Indo-European	53	1.2%
Asian & Pacific Islander	16	0.4%
Other languages	12	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,196	93.7%
Born in same state	4,136	92.3%
Born in different state	2,861	63.9%
Foreign born	60	1.3%
Naturalized citizen	283	6.3%
Not a US citizen	145	51.2%

Ancestry

Ancestry	Count	%
French	472	10.5%
Italian	403	9%
Arab	314	7%
Polish	167	3.7%
Dutch	117	2.6%

Ancestry	Count	%
English	92	2.1%
German	28	0.6%
Irish	17	0.4%
Norwegian	16	0.4%

Technology access

Metric	% of households
Computer access	39.2%
Internet access	98.3%

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

Frequently asked questions about ZIP code 95614

What city is ZIP code 95614 in?

ZIP code 95614 is primarily assigned to Cool, California.

What county is ZIP code 95614 in?

ZIP code 95614 falls within El Dorado County, California.

Is ZIP code 95614 mostly owner-occupied?

89% of occupied units in ZIP code 95614 are owner-occupied, well above the national average.

Does ZIP code 95614 have a large retiree population?

42% of households in ZIP code 95614 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 95614?

The median home value in ZIP code 95614 is $470,300.

Does ZIP code 95614 have a large veteran population?

10% of civilians in ZIP code 95614 are veterans, above the national average of ~7%.

What timezone is ZIP code 95614 in?

ZIP code 95614 observes the PST timezone.