95746 ZIP Code — Granite Bay, CA

Placer County, California

ZIP code 95746 is located in Granite Bay, California, within Placer County. It covers approximately 18.40 square miles and serves a population of 22,743 residents. This is a po box ZIP code in the Pacific (PT) timezone, served by area code 916.

About ZIP code 95746

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $965,500. Owner-occupancy is high at 90%, well above the national average.

The gap between median ($173,034) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average. 35% 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 30 minutes is near the national average. Remote work is prevalent — 23% of workers work from home.

Educational attainment is high — 59% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 95746 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

22,743

population

18.40

sq mi land

PO Box

ZIP type

Pacific (PT)

timezone

95746 ZIP code map

Cities in ZIP code 95746

Below are the cities the US Postal Service accepts for ZIP code 95746. Using any city not on this list may result in mail delivery delays.

City	Status
Granite Bay	Acceptable
Granite Bay	Preferred

Nearby ZIP codes

95650 Loomis (4.2 mi) 95677 Rocklin (4.5 mi) 95661 Roseville (4.8 mi) 95662 Orangevale (5.7 mi) 95678 Roseville (5.9 mi) 95630 Folsom (6.4 mi) 95610 Citrus Heights (6.7 mi) 95663 Penryn (6.9 mi) 95762 El Dorado Hills (7.1 mi) 95765 Rocklin (7.2 mi) 95664 Pilot Hill (7.3 mi) 95658 Newcastle (8.4 mi)

Demographics updated 06/2026

Population
Total population	22,743
Population density	1,236 / sq mi
State FIPS	06
County FIPS	061

Geography
Land area	18.40 sq mi
Water area	7.21 sq mi
Latitude	38.7544
Longitude	-121.1709
Timezone	Pacific (PT)
Area code	916

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	15.6%	26.2%	32.6%
$50k – $100k	15.3%	27.2%	27.7%
$100k – $200k	30.7%	31.3%	26.4%
Over $200k	38.4%	15.3%	13.3%

Demographics & statistics

22,743

Population

1,236

People per sq mi

48.0

Median age

$173,034

Median household income

$80,724

Per capita income

$965,500

Median home value

$2,576

Median monthly rent

90.4%

Home ownership

5.2%

Poverty rate

3.8%

Unemployment

7,437

Housing units

59.2%

Bachelor's or higher

Age distribution

Male Female

390

Under 5

409

671

5–9

704

867

10–14

910

997

15–19

1,047

559

20–24

587

417

25–34

438

1,204

35–44

1,264

1,776

45–54

1,865

961

55–59

1,010

903

60–64

949

1,388

65–74

1,457

633

75–84

664

329

85+

345

← Male

Female →

Age summary

Group	Count	%
Under 18	5,264	23.1%
18 and over	17,479	76.9%
65 and over	4,816	21.2%
Median age	48.0 years

Race & ethnicity

White 75.3%

Asian 9.5%

Two or more races 5.4%

Hispanic or Latino 4.4%

Black or African American 3.2%

Other race 1.8%

American Indian / Alaska Native 0.2%

Native Hawaiian / Pacific Islander 0.2%

Group	Count	%
White	17,911	75.3%
Asian	2,252	9.5%
Two or more races	1,293	5.4%
Hispanic or Latino	1,051	4.4%
Black or African American	765	3.2%
Other race	430	1.8%
American Indian / Alaska Native	56	0.2%
Native Hawaiian / Pacific Islander	36	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	15.6%	26.2%	32.6%
$50k – $100k	15.3%	27.2%	27.7%
$100k – $200k	30.7%	31.3%	26.4%
Over $200k	38.4%	15.3%	13.3%

Under $10k 3.4%

$10k–$15k 1.1%

$15k–$25k 3.8%

$25k–$35k 1.8%

$35k–$50k 3.3%

$50k–$75k 9.5%

$75k–$100k 5.6%

$100k–$150k 17.7%

$150k–$200k 9.4%

$200k+ 44.4%

Range	% of households
Under $10k	3.4%
$10k–$15k	1.1%
$15k–$25k	3.8%
$25k–$35k	1.8%
$35k–$50k	3.3%
$50k–$75k	9.5%
$75k–$100k	5.6%
$100k–$150k	17.7%
$150k–$200k	9.4%
$200k+	44.4%
Median income	$173,034

Housing

Home values

Under $50k 3.3%

$50k–$100k 1.1%

$100k–$150k 1.0%

$200k–$300k 0.4%

$300k–$500k 2.2%

$500k–$1M 46.6%

$1M+ 45.4%

Housing overview

Metric	Value
Median home value	$965,500
Median rent / month	$2,576
Owner occupied	90.4%
Renter occupied	9.6%
Vacant	3.5%
Single-family detached	91.4%
Large apartment buildings	0.8%
Mobile homes	4.7%
Median rooms	7.6
Avg household size (owned)	2.84

Year built

Era	%
2020 or later	0.3%
2010–2019	4.3%
2000–2009	12.5%
1990–1999	31.1%
1980–1989	19.7%
1970–1979	22.3%
1960–1969	6.0%
1950–1959	3.4%
1940–1949	0.4%
1939 or earlier	0.2%

Bedrooms

Size	% of units
No bedroom (studio)	1.4%
1 bedroom	1.4%
2 bedrooms	5.2%
3 bedrooms	23.4%
4 bedrooms	50.5%
5+ bedrooms	18.0%

Vehicles per household

Vehicles	% of households
No vehicle	3.4%
1 vehicle	13.2%
2 vehicles	46.1%
3 or more	37.4%

Heating fuel

Fuel type	%
Utility gas	76.4%
Electricity	17.1%
Propane / LP gas	2.9%
Wood	1.9%
Solar	1.4%

Households & families

Household type	Count	%
Married-couple family	5,832	73.7%
Cohabiting couple	196	2.5%
Male householder, no spouse	699	8.8%
Female householder, no spouse	1,188	15.0%
Households with children under 18	2,838	35.9%
Households with seniors (65+)	3,165	40.0%
Average household size	2.86

Marital status

Status	Male	Female
Never married	24.5%	23.0%
Married	66.6%	61.9%
Separated	0.2%	1.0%
Widowed	2.5%	6.7%
Divorced	6.2%	7.4%

Education

Less than 9th grade 0.7%

Some HS, no diploma 2.3%

HS graduate 11.3%

Some college, no degree 17.5%

Associate's degree 9.0%

Bachelor's degree 31.8%

Graduate / professional 27.4%

Metric	%
HS diploma or higher	97.0%
Bachelor's or higher	59.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	338	5.5%
Kindergarten	198	3.2%
Elementary school	2,598	42.0%
High school	1,602	25.9%
College / grad school	1,452	23.5%

Employment

Industry of employment

Education & healthcare 25.9%

Professional & management 15.3%

Finance & real estate 11.1%

Public administration 10.3%

Manufacturing 8.2%

Retail trade 7.1%

Construction 5.7%

Arts, food & hospitality 5.3%

Transportation & utilities 3.6%

Wholesale trade 2.5%

Other services 2.4%

Information 2.0%

Agriculture & mining 0.7%

Occupation

Category	%
Management, business & arts	62.8%
Service	11.1%
Sales & office	18.4%
Natural resources & construction	3.1%
Production & transportation	4.7%

Employment type

Type	%
Private sector	70.5%
Government	20.6%
Self-employed	8.8%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	69.2%
Carpool	6.3%
Public transit	0.6%
Walk	0.6%
Work from home	22.5%
Other means	0.9%
Avg commute (minutes)	29.9

Poverty

All people 5.2%

Under 18 years 4.4%

18 and over 5.4%

Married-couple families 3.2%

Female-led households 8.8%

Income support

Source	% of households
Social Security	35.4%
Retirement income	30.6%
Supplemental Security	2.6%
Cash public assistance	1.7%
Food stamps / SNAP	2.5%

Health indicators

Condition	%
Obesity	26.8%
High blood pressure	27.2%
High cholesterol	33.9%
Diabetes	8.1%
Heart disease	5.3%
Stroke	2.3%
Asthma	9.2%
Arthritis	23.1%
Kidney disease	2.4%
Pulmonary disease	5.0%
Cancer	7.3%

Behavior / access	%
Smoking	8.9%
Binge drinking	18.6%
No physical activity	13.1%
Less than 7 hrs sleep	29.5%
Depression	16.6%
Fair or poor health	9.5%
Poor mental health	12.2%
Poor physical health	8.3%
No health insurance	5.8%
Visited doctor (checkup)	69.5%
Visited dentist	77.3%
Cholesterol screening	94.3%
Teeth loss	6.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,143	6.5%

Disability	%
Any disability	8.9%
Under 18	2.0%
18–64 years	5.1%
65 and over	26.7%

Health insurance coverage

Type	%
Private insurance	89.3%
Public insurance	25.2%
No insurance	1.1%
Uninsured under 19	1.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	21,944	96.5%
Spanish	435	2.0%
Other Indo-European	116	0.5%
Asian & Pacific Islander	147	0.7%
Other languages	131	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	20,375	89.6%
Born in same state	20,069	88.2%
Born in different state	13,914	61.2%
Foreign born	306	1.3%
Naturalized citizen	2,368	10.4%
Not a US citizen	1,764	74.5%

Ancestry

Ancestry	Count	%
French	4,431	19.5%
Italian	2,948	13%
Arab	1,010	4.4%
Polish	462	2%
Dutch	430	1.9%

Ancestry	Count	%
German	220	1%
English	199	0.9%
Norwegian	100	0.4%
Irish	49	0.2%

Technology access

Metric	% of households
Computer access	34.8%
Internet access	97.3%

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

Frequently asked questions about ZIP code 95746

What city is ZIP code 95746 in?

ZIP code 95746 is primarily assigned to Granite Bay, California.

What county is ZIP code 95746 in?

ZIP code 95746 falls within Placer County, California.

How educated is the population of ZIP code 95746?

59% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 95746 mostly owner-occupied?

90% of occupied units in ZIP code 95746 are owner-occupied, well above the national average.

What is the median household income in ZIP code 95746?

The median household income in ZIP code 95746 is $173,034, above the national median of ~$75,000.

What is the typical home value in ZIP code 95746?

The median home value in ZIP code 95746 is $965,500.

What timezone is ZIP code 95746 in?

ZIP code 95746 observes the PST timezone.