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California ZIP Codes
Alpine County
Kirkwood, CA
95646
95646 ZIP Code — Kirkwood, CA
Alpine County, California
ZIP code 95646 is located in
Kirkwood ,
California ,
within Alpine County .
It covers approximately 53.39 square miles and serves a population of
249 residents.
This is a standard ZIP code in the Pacific (PT) timezone,
served by area code 530 .
About ZIP code 95646
The housing stock consists of a significant share of large multi-unit buildings. Most homes were built in the 1990s, giving the area an established character. Median home value is $529,800. Owner-occupancy is high at 80%, well above the national average.
Median household income is $138,295. Poverty affects 27% of residents, above the national average. 39% 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. Remote work is prevalent — 51% of workers work from home.
Educational attainment is high — 70% of residents hold a bachelor's degree or higher, well above the national average of 33%.
Overall, ZIP code 95646 reflects a community defined by a highly educated population, economic challenges above the national average, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.
95646 ZIP code map
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Cities in ZIP code 95646
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Demographics
updated 06/2026
Population
Total population
249
Population density
5 / sq mi
State FIPS
06
County FIPS
003
Geography
Land area
53.39 sq mi
Water area
1.89 sq mi
Latitude
38.6327
Longitude
-119.9987
Timezone
Pacific (PT)
Area code
530
Economics
updated 06/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
8.7%
28.3%
32.6%
$50k – $100k
32.6%
34.2%
27.7%
$100k – $200k
58.7%
33.9%
26.4%
Over $200k
0.0%
3.6%
13.3%
Demographics & statistics
$138,295
Median household income
$529,800
Median home value
70.2%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 85 34.1% 18 and over 164 65.9% 65 and over 23 9.2% Median age 26.6 years
Race & ethnicity
Black or African American
0.6%
Group Count % White 182 58% Hispanic or Latino 65 20.7% Two or more races 55 17.5% Other race 10 3.2% Black or African American 2 0.6%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
8.7%
28.3%
32.6%
$50k – $100k
32.6%
34.2%
27.7%
$100k – $200k
58.7%
33.9%
26.4%
Over $200k
0.0%
3.6%
13.3%
Range % of households Under $10k 8.5% $35k–$50k 18.6% $75k–$100k 16.9% $100k–$150k 18.6% $150k–$200k 16.9% $200k+ 20.3% Median income $138,295
Housing
Housing overview
Metric Value Median home value $529,800 Median rent / month $0 Owner occupied 79.7% Renter occupied 20.3% Vacant 90.3% Single-family detached 38.6% Large apartment buildings 22.7% Mobile homes 0.0% Median rooms 4.2 Avg household size (owned) 3.34
Year built
Era % 2020 or later 0.0% 2010–2019 0.7% 2000–2009 27.2% 1990–1999 27.8% 1980–1989 16.5% 1970–1979 22.2% 1960–1969 4.3% 1950–1959 0.0% 1940–1949 1.3% 1939 or earlier 0.0%
Bedrooms
Size % of units No bedroom (studio) 11.2% 1 bedroom 9.9% 2 bedrooms 45.8% 3 bedrooms 22.6% 4 bedrooms 7.6% 5+ bedrooms 3.0%
Vehicles per household
Vehicles % of households No vehicle 0.0% 1 vehicle 72.9% 2 vehicles 27.1% 3 or more 0.0%
Heating fuel
Fuel type % Utility gas 25.4% Electricity 16.9% Propane / LP gas 20.3% Wood 18.6%
Households & families
Household type Count % Married-couple family 38 64.4% Cohabiting couple 0 0.0% Male householder, no spouse 11 18.6% Female householder, no spouse 10 16.9% Households with children under 18 21 35.6% Households with seniors (65+) 23 39.0% Average household size 3.02
Marital status
Status Male Female Never married 52.9% 22.2% Married 37.8% 77.8% Separated 0.0% 0.0% Widowed 0.0% 0.0% Divorced 9.2% 0.0%
Education
Less than 9th grade
11.9%
Some college, no degree
0.0%
Graduate / professional
37.1%
Metric % HS diploma or higher 88.1% Bachelor's or higher 70.2%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 29 35.4% Kindergarten 0 0.0% Elementary school 27 32.9% High school 0 0.0% College / grad school 26 31.7%
Employment
Industry of employment
Education & healthcare
36.3%
Professional & management
16.7%
Transportation & utilities
15.7%
Arts, food & hospitality
9.8%
Agriculture & mining
3.9%
Occupation
Category % Management, business & arts 61.8% Service 14.7% Sales & office 11.8% Natural resources & construction 5.9% Production & transportation 5.9%
Employment type
Type % Private sector 59.8% Government 40.2% Self-employed 0.0% Unpaid family workers 0.0%
Commute
Method % Drive alone 25.5% Carpool 21.6% Public transit 2.0% Walk 0.0% Work from home 51.0% Other means 0.0% Avg commute (minutes) 0.0
Poverty
Married-couple families
13.2%
Female-led households
0.0%
Income support
Source % of households Social Security 39.0% Retirement income 57.6% Supplemental Security 0.0% Cash public assistance 0.0% Food stamps / SNAP 0.0%
Health indicators
Condition % Obesity 31.0% High blood pressure 30.1% High cholesterol 29.3% Diabetes 9.7% Heart disease 7.0% Stroke 3.2% Asthma 10.2% Arthritis 23.2% Kidney disease 3.0% Pulmonary disease 7.8% Cancer 6.0%
Behavior / access % Smoking 16.4% Binge drinking 21.5% No physical activity 19.9% Less than 7 hrs sleep 32.4% Depression 19.6% Fair or poor health 15.6% Poor mental health 15.8% Poor physical health 11.4% No health insurance 10.0% Visited doctor (checkup) 65.4% Visited dentist 60.8% Cholesterol screening 88.3% Teeth loss 14.0%
Veterans & disability
Veterans Count % Civilian veterans 7 4.3%
Disability % Any disability 5.6% Under 18 0.0% 18–64 years 9.9% 65 and over 0.0%
Health insurance coverage
Type % Private insurance 79.5% Public insurance 25.3% No insurance 4.0% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 191 76.7% Spanish 36 18.8% Other Indo-European 36 18.8% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 221 88.8% Born in same state 221 88.8% Born in different state 175 70.3% Foreign born 0 0.0% Naturalized citizen 28 11.2% Not a US citizen 10 35.7%
Ancestry
Ancestry Count % French 90 36.1% Italian 13 5.2%
Ancestry Count % English 5 2%
Technology access
Metric % of households Computer access 23.7% Internet access 100.0%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 95646
What city is ZIP code 95646 in?
ZIP code 95646 is primarily assigned to Kirkwood, California.
What county is ZIP code 95646 in?
ZIP code 95646 falls within Alpine County, California.
How educated is the population of ZIP code 95646?
70% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.
Is ZIP code 95646 family-oriented?
34% of residents in ZIP code 95646 are under 18, reflecting a younger, family-oriented community.
What is the poverty rate in ZIP code 95646?
27% of residents in ZIP code 95646 live below the poverty line, above the national average.
Does ZIP code 95646 have a large retiree population?
39% of households in ZIP code 95646 receive Social Security income, suggesting a significant retiree or disability population.
What timezone is ZIP code 95646 in?
ZIP code 95646 observes the PST timezone.
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