95245 ZIP Code — Mokelumne Hill, CA

Calaveras County, California

ZIP code 95245 is located in Mokelumne Hill, California, within Calaveras County. It covers approximately 69.81 square miles and serves a population of 2,813 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 209.

About ZIP code 95245

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 $401,000. Owner-occupancy is high at 87%, well above the national average.

Median household income is $80,826. 61% 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 37 minutes suggests many residents work outside the immediate area.

College attainment at 18% is below the national average, consistent with a trades and production-oriented local economy.

Notable community characteristics include disability rates above the national average at 24%.

Overall, ZIP code 95245 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

2,813

population

69.81

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95245 ZIP code map

Cities in ZIP code 95245

Below are the cities the US Postal Service accepts for ZIP code 95245. Using any city not on this list may result in mail delivery delays.

City	Status
Mokelumne Hill	Acceptable
Mokelumne Hill	Preferred

Nearby ZIP codes

95232 Glencoe (4.1 mi) 95257 Wilseyville (6.2 mi) 95246 Mountain Ranch (6.6 mi) 95665 Pine Grove (8.8 mi) 95249 San Andreas (9.1 mi) 95689 Volcano (11.4 mi) 95255 West Point (11.4 mi) 95642 Jackson (12.2 mi) 95251 Vallecito (15.3 mi) 95629 Fiddletown (15.5 mi) 95247 Murphys (15.5 mi) 95685 Sutter Creek (15.9 mi)

Demographics updated 05/2026

Population
Total population	2,813
Population density	40 / sq mi
State FIPS	06
County FIPS	009

Geography
Land area	69.81 sq mi
Water area	0.09 sq mi
Latitude	38.3185
Longitude	-120.5271
Timezone	Pacific (PT)
Area code	209

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	29.9%	37.5%	32.6%
$50k – $100k	51.3%	32.8%	27.7%
$100k – $200k	13.2%	23.6%	26.4%
Over $200k	5.6%	6.1%	13.3%

Demographics & statistics

2,813

Population

People per sq mi

58.0

Median age

$80,826

Median household income

$39,198

Per capita income

$401,000

Median home value

$1,302

Median monthly rent

87.0%

Home ownership

11.2%

Poverty rate

3.6%

Unemployment

1,201

Housing units

18.3%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

178

25–34

177

135

35–44

134

45–54

168

55–59

167

223

60–64

221

263

65–74

260

103

75–84

103

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	416	14.8%
18 and over	2,397	85.2%
65 and over	781	27.8%
Median age	58.0 years

Race & ethnicity

White 74.3%

Hispanic or Latino 8.4%

Two or more races 7%

Black or African American 3.8%

Asian 3.1%

Other race 2.8%

American Indian / Alaska Native 0.6%

Group	Count	%
White	2,281	74.3%
Hispanic or Latino	257	8.4%
Two or more races	216	7%
Black or African American	118	3.8%
Asian	94	3.1%
Other race	87	2.8%
American Indian / Alaska Native	17	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	29.9%	37.5%	32.6%
$50k – $100k	51.3%	32.8%	27.7%
$100k – $200k	13.2%	23.6%	26.4%
Over $200k	5.6%	6.1%	13.3%

$15k–$25k 14.7%

$25k–$35k 5.6%

$35k–$50k 7.3%

$50k–$75k 14.1%

$75k–$100k 23.0%

$100k–$150k 8.7%

$150k–$200k 12.9%

$200k+ 13.8%

Range	% of households
$15k–$25k	14.7%
$25k–$35k	5.6%
$35k–$50k	7.3%
$50k–$75k	14.1%
$75k–$100k	23.0%
$100k–$150k	8.7%
$150k–$200k	12.9%
$200k+	13.8%
Median income	$80,826

Housing

Home values

Under $50k 3.3%

$150k–$200k 1.9%

$200k–$300k 13.5%

$300k–$500k 36.8%

$500k–$1M 39.2%

$1M+ 5.3%

Housing overview

Metric	Value
Median home value	$401,000
Median rent / month	$1,302
Owner occupied	87.0%
Renter occupied	13.0%
Vacant	22.2%
Single-family detached	86.9%
Large apartment buildings	0.0%
Mobile homes	9.6%
Median rooms	5.9
Avg household size (owned)	2.66

Year built

Era	%
2020 or later	0.0%
2010–2019	12.5%
2000–2009	7.0%
1990–1999	24.3%
1980–1989	24.0%
1970–1979	12.9%
1960–1969	7.2%
1950–1959	4.0%
1940–1949	1.6%
1939 or earlier	6.6%

Bedrooms

Size	% of units
No bedroom (studio)	2.2%
1 bedroom	6.3%
2 bedrooms	20.1%
3 bedrooms	61.5%
4 bedrooms	8.9%
5+ bedrooms	1.0%

Vehicles per household

Vehicles	% of households
No vehicle	1.9%
1 vehicle	17.1%
2 vehicles	39.5%
3 or more	41.4%

Heating fuel

Fuel type	%
Utility gas	4.4%
Electricity	7.2%
Propane / LP gas	50.5%
Fuel oil	11.3%
Wood	26.5%

Households & families

Household type	Count	%
Married-couple family	670	64.4%
Cohabiting couple	24	2.3%
Male householder, no spouse	148	14.2%
Female householder, no spouse	198	19.0%
Households with children under 18	218	21.0%
Households with seniors (65+)	525	50.5%
Average household size	2.70

Marital status

Status	Male	Female
Never married	25.4%	15.2%
Married	55.2%	58.5%
Separated	0.0%	0.0%
Widowed	1.9%	9.6%
Divorced	17.5%	16.6%

Education

Less than 9th grade 0.4%

Some HS, no diploma 9.2%

HS graduate 30.6%

Some college, no degree 20.9%

Associate's degree 20.4%

Bachelor's degree 11.3%

Graduate / professional 7.0%

Metric	%
HS diploma or higher	90.3%
Bachelor's or higher	18.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	11	3.8%
Kindergarten	0	0.0%
Elementary school	112	38.8%
High school	116	40.1%
College / grad school	50	17.3%

Employment

Industry of employment

Education & healthcare 17.1%

Public administration 16.7%

Professional & management 14.7%

Retail trade 11.1%

Manufacturing 9.6%

Construction 8.3%

Transportation & utilities 8.1%

Arts, food & hospitality 7.9%

Agriculture & mining 4.2%

Other services 1.3%

Finance & real estate 0.9%

Occupation

Category	%
Management, business & arts	27.7%
Service	26.2%
Sales & office	19.9%
Natural resources & construction	13.5%
Production & transportation	12.6%

Employment type

Type	%
Private sector	58.9%
Government	23.7%
Self-employed	17.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	79.8%
Carpool	9.8%
Public transit	0.0%
Walk	2.6%
Work from home	7.8%
Other means	0.0%
Avg commute (minutes)	37.2

Poverty

All people 11.2%

Under 18 years 2.9%

18 and over 12.6%

Married-couple families 2.1%

Female-led households 77.3%

Income support

Source	% of households
Social Security	61.1%
Retirement income	36.9%
Supplemental Security	9.4%
Cash public assistance	3.0%
Food stamps / SNAP	10.6%

Health indicators

Condition	%
Obesity	33.8%
High blood pressure	39.1%
High cholesterol	37.5%
Diabetes	13.6%
Heart disease	9.6%
Stroke	4.6%
Asthma	11.2%
Arthritis	32.6%
Kidney disease	4.1%
Pulmonary disease	11.3%
Cancer	8.5%

Behavior / access	%
Smoking	17.1%
Binge drinking	16.1%
No physical activity	23.8%
Less than 7 hrs sleep	32.5%
Depression	20.2%
Fair or poor health	20.1%
Poor mental health	15.6%
Poor physical health	14.8%
No health insurance	9.9%
Visited doctor (checkup)	70.4%
Visited dentist	60.8%
Cholesterol screening	92.5%
Teeth loss	15.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	187	7.8%

Disability	%
Any disability	24.4%
Under 18	0.0%
18–64 years	23.5%
65 and over	39.2%

Health insurance coverage

Type	%
Private insurance	58.9%
Public insurance	53.8%
No insurance	2.3%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,624	93.3%
Spanish	34	1.3%
Other Indo-European	20	0.8%
Asian & Pacific Islander	0	0.0%
Other languages	14	0.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,606	92.6%
Born in same state	2,588	92.0%
Born in different state	1,892	67.3%
Foreign born	18	0.6%
Naturalized citizen	207	7.4%
Not a US citizen	48	23.2%

Ancestry

Ancestry	Count	%
Italian	558	19.8%
French	554	19.7%
English	59	2.1%
Polish	49	1.7%

Ancestry	Count	%
Arab	46	1.6%
Irish	15	0.5%
Dutch	9	0.3%

Technology access

Metric	% of households
Computer access	37.0%
Internet access	89.9%

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

Frequently asked questions about ZIP code 95245

What city is ZIP code 95245 in?

ZIP code 95245 is primarily assigned to Mokelumne Hill, California.

What county is ZIP code 95245 in?

ZIP code 95245 falls within Calaveras County, California.

Does ZIP code 95245 have a large retiree population?

61% of households in ZIP code 95245 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 95245 have an older population?

28% of residents in ZIP code 95245 are 65 or older, above the national average of ~17%.

Is ZIP code 95245 mostly owner-occupied?

87% of occupied units in ZIP code 95245 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 95245?

The median home value in ZIP code 95245 is $401,000.

What timezone is ZIP code 95245 in?

ZIP code 95245 observes the PST timezone.