95648 ZIP Code — Lincoln, CA

Placer County, California

ZIP code 95648 is located in Lincoln, California, within Placer County. It covers approximately 144.30 square miles and serves a population of 55,350 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 916/279.

About ZIP code 95648

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $603,600. Owner-occupancy is high at 83%, well above the national average.

The gap between median ($100,112) and mean household income suggests income inequality — a small number of higher earners pull the average up. 44% 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 29 minutes is near the national average.

Educational attainment is near the national average, with 36% of residents holding a bachelor's degree or higher.

Overall, ZIP code 95648 reflects a community defined by high homeownership and a significant Social Security-dependent population.

55,350

population

144.30

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95648 ZIP code map

Cities in ZIP code 95648

Below are the cities the US Postal Service accepts for ZIP code 95648. Using any city not on this list may result in mail delivery delays.

City	Status
Lincoln	Preferred

Nearby ZIP codes

95681 Sheridan (5.3 mi) 95765 Rocklin (8.2 mi) 95692 Wheatland (9.2 mi) 95663 Penryn (9.4 mi) 95674 Rio Oso (9.6 mi) 95658 Newcastle (10 mi) 95677 Rocklin (10.5 mi) 95747 Roseville (10.5 mi) 95668 Pleasant Grove (11.5 mi) 95602 Auburn (11.6 mi) 95650 Loomis (11.6 mi) 95678 Roseville (11.8 mi)

Demographics updated 06/2026

Population
Total population	55,350
Population density	384 / sq mi
State FIPS	06
County FIPS	061

Geography
Land area	144.30 sq mi
Water area	0.96 sq mi
Latitude	38.9315
Longitude	-121.3234
Timezone	Pacific (PT)
Area code	916/279

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	25.6%	26.2%	32.6%
$50k – $100k	32.2%	27.2%	27.7%
$100k – $200k	30.8%	31.3%	26.4%
Over $200k	11.4%	15.3%	13.3%

Demographics & statistics

55,350

Population

384

People per sq mi

44.6

Median age

$100,112

Median household income

$49,800

Per capita income

$603,600

Median home value

$2,026

Median monthly rent

82.8%

Home ownership

7.6%

Poverty rate

3.9%

Unemployment

18,140

Housing units

36.2%

Bachelor's or higher

Age distribution

Male Female

1,386

Under 5

1,488

1,883

5–9

2,020

1,793

10–14

1,923

1,561

15–19

1,675

889

20–24

953

2,545

25–34

2,731

3,431

35–44

3,682

3,120

45–54

3,347

1,421

55–59

1,525

1,419

60–64

1,522

3,645

65–74

3,910

2,719

75–84

2,917

890

85+

955

← Male

Female →

Age summary

Group	Count	%
Under 18	12,647	22.8%
18 and over	42,703	77.2%
65 and over	15,036	27.2%
Median age	44.6 years

Race & ethnicity

White 70.3%

Two or more races 9.7%

Hispanic or Latino 9%

Asian 5.6%

Other race 3.5%

Black or African American 1.3%

American Indian / Alaska Native 0.5%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	42,749	70.3%
Two or more races	5,922	9.7%
Hispanic or Latino	5,488	9%
Asian	3,380	5.6%
Other race	2,131	3.5%
Black or African American	806	1.3%
American Indian / Alaska Native	323	0.5%
Native Hawaiian / Pacific Islander	39	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	25.6%	26.2%	32.6%
$50k – $100k	32.2%	27.2%	27.7%
$100k – $200k	30.8%	31.3%	26.4%
Over $200k	11.4%	15.3%	13.3%

Under $10k 3.3%

$10k–$15k 2.5%

$15k–$25k 3.6%

$25k–$35k 4.8%

$35k–$50k 6.8%

$50k–$75k 13.2%

$75k–$100k 15.7%

$100k–$150k 20.1%

$150k–$200k 12.2%

$200k+ 17.7%

Range	% of households
Under $10k	3.3%
$10k–$15k	2.5%
$15k–$25k	3.6%
$25k–$35k	4.8%
$35k–$50k	6.8%
$50k–$75k	13.2%
$75k–$100k	15.7%
$100k–$150k	20.1%
$150k–$200k	12.2%
$200k+	17.7%
Median income	$100,112

Housing

Home values

Under $50k 1.0%

$50k–$100k 1.5%

$150k–$200k 0.5%

$200k–$300k 2.1%

$300k–$500k 25.0%

$500k–$1M 63.4%

$1M+ 6.6%

Housing overview

Metric	Value
Median home value	$603,600
Median rent / month	$2,026
Owner occupied	82.8%
Renter occupied	17.2%
Vacant	3.6%
Single-family detached	92.2%
Large apartment buildings	1.1%
Mobile homes	0.5%
Median rooms	6.0
Avg household size (owned)	2.60

Year built

Era	%
2020 or later	0.9%
2010–2019	9.5%
2000–2009	60.6%
1990–1999	9.8%
1980–1989	6.3%
1970–1979	5.0%
1960–1969	2.7%
1950–1959	1.6%
1940–1949	1.1%
1939 or earlier	2.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	2.2%
2 bedrooms	29.3%
3 bedrooms	38.4%
4 bedrooms	20.0%
5+ bedrooms	9.6%

Vehicles per household

Vehicles	% of households
No vehicle	1.6%
1 vehicle	29.9%
2 vehicles	44.2%
3 or more	24.3%

Heating fuel

Fuel type	%
Utility gas	69.0%
Electricity	20.7%
Propane / LP gas	5.0%
Wood	1.6%
Solar	3.2%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	12,649	60.4%
Cohabiting couple	1,036	4.9%
Male householder, no spouse	1,895	9.0%
Female householder, no spouse	5,374	25.6%
Households with children under 18	6,580	31.4%
Households with seniors (65+)	10,049	48.0%
Average household size	2.63

Marital status

Status	Male	Female
Never married	23.8%	18.4%
Married	65.4%	56.5%
Separated	0.8%	1.2%
Widowed	3.3%	10.9%
Divorced	6.7%	13.1%

Education

Less than 9th grade 2.8%

Some HS, no diploma 2.4%

HS graduate 20.2%

Some college, no degree 26.3%

Associate's degree 12.2%

Bachelor's degree 22.3%

Graduate / professional 13.8%

Metric	%
HS diploma or higher	94.9%
Bachelor's or higher	36.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	772	5.9%
Kindergarten	802	6.1%
Elementary school	5,965	45.4%
High school	2,901	22.1%
College / grad school	2,698	20.5%

Employment

Industry of employment

Education & healthcare 25.9%

Retail trade 12.3%

Professional & management 12.0%

Arts, food & hospitality 9.1%

Public administration 8.7%

Finance & real estate 7.3%

Construction 6.1%

Manufacturing 4.8%

Transportation & utilities 4.2%

Other services 4.1%

Information 2.2%

Wholesale trade 1.9%

Agriculture & mining 1.3%

Occupation

Category	%
Management, business & arts	45.5%
Service	16.7%
Sales & office	23.0%
Natural resources & construction	7.2%
Production & transportation	7.6%

Employment type

Type	%
Private sector	74.5%
Government	19.2%
Self-employed	6.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	74.9%
Carpool	4.9%
Public transit	0.7%
Walk	0.4%
Work from home	17.0%
Other means	2.1%
Avg commute (minutes)	29.4

Poverty

All people 7.6%

Under 18 years 8.4%

18 and over 7.4%

Married-couple families 4.3%

Female-led households 15.9%

Income support

Source	% of households
Social Security	44.2%
Retirement income	37.6%
Supplemental Security	5.1%
Cash public assistance	1.8%
Food stamps / SNAP	3.4%

Health indicators

Condition	%
Obesity	28.5%
High blood pressure	30.5%
High cholesterol	35.1%
Diabetes	9.9%
Heart disease	6.8%
Stroke	3.0%
Asthma	9.4%
Arthritis	26.1%
Kidney disease	3.1%
Pulmonary disease	6.6%
Cancer	8.2%

Behavior / access	%
Smoking	11.0%
Binge drinking	17.4%
No physical activity	17.2%
Less than 7 hrs sleep	30.7%
Depression	17.3%
Fair or poor health	13.0%
Poor mental health	13.3%
Poor physical health	10.0%
No health insurance	10.0%
Visited doctor (checkup)	69.7%
Visited dentist	70.9%
Cholesterol screening	92.4%
Teeth loss	8.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	4,332	10.2%

Disability	%
Any disability	13.8%
Under 18	3.9%
18–64 years	9.5%
65 and over	29.8%

Health insurance coverage

Type	%
Private insurance	79.6%
Public insurance	40.8%
No insurance	2.3%
Uninsured under 19	1.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	52,476	94.8%
Spanish	1,926	3.7%
Other Indo-European	865	1.6%
Asian & Pacific Islander	341	0.6%
Other languages	702	1.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	49,459	89.4%
Born in same state	48,930	88.4%
Born in different state	36,116	65.3%
Foreign born	529	1.0%
Naturalized citizen	5,891	10.6%
Not a US citizen	4,282	72.7%

Ancestry

Ancestry	Count	%
French	7,248	13.1%
Italian	5,550	10%
Arab	2,000	3.6%
Polish	1,273	2.3%
English	879	1.6%

Ancestry	Count	%
Dutch	631	1.1%
Irish	144	0.3%
Norwegian	106	0.2%
German	61	0.1%

Technology access

Metric	% of households
Computer access	37.9%
Internet access	98.3%

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

Frequently asked questions about ZIP code 95648

What part of Lincoln is ZIP code 95648?

ZIP code 95648 covers a portion of Lincoln, California, within Placer County.

What county is ZIP code 95648 in?

ZIP code 95648 falls within Placer County, California.

Does ZIP code 95648 have an older population?

27% of residents in ZIP code 95648 are 65 or older, above the national average of ~17%.

Does ZIP code 95648 have a large retiree population?

44% of households in ZIP code 95648 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 95648 mostly owner-occupied?

83% of occupied units in ZIP code 95648 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 95648?

The median home value in ZIP code 95648 is $603,600.

What timezone is ZIP code 95648 in?

ZIP code 95648 observes the PST timezone.