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California ZIP Codes
Calaveras County
Mountain Ranch, CA
95246
95246 ZIP Code — Mountain Ranch, CA
Calaveras County, California
ZIP code 95246 is located in
Mountain Ranch ,
California ,
within Calaveras County .
It covers approximately 69.07 square miles and serves a population of
1,548 residents.
This is a standard ZIP code in the Pacific (PT) timezone,
served by area code 209 .
About ZIP code 95246
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 $325,000. Owner-occupancy is high at 89%, well above the national average.
Median household income is $90,658. Poverty affects 20% of residents, above the national average. 35% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is sales and office, with public administration as the leading industry. An above-average commute of 44 minutes suggests many residents work outside the immediate area.
College attainment at 21% is below the national average, consistent with a trades and production-oriented local economy.
23% of residents lack health insurance, above the national average.
Notable community characteristics include a notable veteran presence at 11% of civilians, above the national average of 7%; and disability rates above the national average at 36%.
Overall, ZIP code 95246 reflects a community defined by economic challenges above the national average, a strong veteran community, high homeownership, and a significant Social Security-dependent population.
95246 ZIP code map
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Cities in ZIP code 95246
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Nearby ZIP codes
Demographics
updated 06/2026
Population
Total population
1,548
Population density
22 / sq mi
State FIPS
06
County FIPS
009
Geography
Land area
69.07 sq mi
Water area
0.06 sq mi
Latitude
38.2233
Longitude
-120.5212
Timezone
Pacific (PT)
Area code
209
Economics
updated 06/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
27.2%
37.5%
32.6%
$50k – $100k
35.4%
32.8%
27.7%
$100k – $200k
34.4%
23.6%
26.4%
Over $200k
2.9%
6.1%
13.3%
Demographics & statistics
$90,658
Median household income
$325,000
Median home value
$3,056
Median monthly rent
20.6%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 44 2.8% 18 and over 1,504 97.2% 65 and over 215 13.9% Median age 55.1 years
Race & ethnicity
Black or African American
6.7%
American Indian / Alaska Native
1.7%
Group Count % White 1,412 91.2% Black or African American 103 6.7% American Indian / Alaska Native 26 1.7% Asian 7 0.5%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
27.2%
37.5%
32.6%
$50k – $100k
35.4%
32.8%
27.7%
$100k – $200k
34.4%
23.6%
26.4%
Over $200k
2.9%
6.1%
13.3%
Range % of households Under $10k 1.4% $10k–$15k 1.4% $15k–$25k 4.7% $25k–$35k 17.0% $35k–$50k 6.1% $50k–$75k 17.0% $75k–$100k 8.9% $100k–$150k 20.2% $150k–$200k 23.3% Median income $90,658
Housing
Housing overview
Metric Value Median home value $325,000 Median rent / month $3,056 Owner occupied 89.1% Renter occupied 10.9% Vacant 25.3% Single-family detached 89.7% Large apartment buildings 1.0% Mobile homes 0.0% Median rooms 5.0 Avg household size (owned) 3.16
Year built
Era % 2020 or later 5.0% 2010–2019 1.9% 2000–2009 20.2% 1990–1999 30.0% 1980–1989 9.2% 1970–1979 26.6% 1960–1969 0.9% 1950–1959 6.2% 1940–1949 0.0% 1939 or earlier 0.0%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 19.5% 2 bedrooms 40.8% 3 bedrooms 37.1% 4 bedrooms 2.7% 5+ bedrooms 0.0%
Vehicles per household
Vehicles % of households No vehicle 0.0% 1 vehicle 5.1% 2 vehicles 53.8% 3 or more 41.1%
Heating fuel
Fuel type % Utility gas 12.1% Electricity 3.8% Propane / LP gas 57.7% Wood 26.5%
Households & families
Household type Count % Married-couple family 383 75.7% Cohabiting couple 0 0.0% Male householder, no spouse 86 17.0% Female householder, no spouse 37 7.3% Households with children under 18 32 6.3% Households with seniors (65+) 119 23.5% Average household size 3.06
Marital status
Status Male Female Never married 38.9% 12.3% Married 51.6% 72.2% Separated 9.5% 0.0% Widowed 0.0% 2.2% Divorced 0.0% 13.4%
Education
Some college, no degree
20.4%
Graduate / professional
0.0%
Metric % HS diploma or higher 90.0% Bachelor's or higher 20.6%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 0 0.0% Kindergarten 0 0.0% Elementary school 0 0.0% High school 19 100.0% College / grad school 0 0.0%
Employment
Industry of employment
Public administration
39.3%
Education & healthcare
32.2%
Agriculture & mining
10.5%
Professional & management
7.1%
Arts, food & hospitality
2.2%
Occupation
Category % Management, business & arts 19.9% Service 25.1% Sales & office 46.8% Natural resources & construction 8.2% Production & transportation 0.0%
Employment type
Type % Private sector 33.3% Government 66.7% Self-employed 0.0% Unpaid family workers 0.0%
Commute
Method % Drive alone 74.7% Carpool 9.5% Public transit 0.0% Walk 0.0% Work from home 15.8% Other means 0.0% Avg commute (minutes) 43.5
Poverty
Married-couple families
3.7%
Female-led households
0.0%
Income support
Source % of households Social Security 35.0% Retirement income 32.8% Supplemental Security 15.6% Cash public assistance 12.3% Food stamps / SNAP 14.8%
Health indicators
Condition % Obesity 34.0% High blood pressure 41.8% High cholesterol 39.6% Diabetes 14.9% Heart disease 10.5% Stroke 4.9% Asthma 11.0% Arthritis 34.9% Kidney disease 4.4% Pulmonary disease 12.1% Cancer 9.2%
Behavior / access % Smoking 16.9% Binge drinking 15.2% No physical activity 24.4% Less than 7 hrs sleep 32.0% Depression 19.8% Fair or poor health 20.9% Poor mental health 14.9% Poor physical health 15.4% No health insurance 9.6% Visited doctor (checkup) 71.8% Visited dentist 61.0% Cholesterol screening 93.4% Teeth loss 14.8%
Veterans & disability
Veterans Count % Civilian veterans 168 11.2%
Disability % Any disability 36.0% Under 18 0.0% 18–64 years 38.1% 65 and over 30.7%
Health insurance coverage
Type % Private insurance 36.3% Public insurance 54.6% No insurance 23.4% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 1,504 97.2% Spanish 0 0.0% Other Indo-European 0 0.0% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 1,389 89.7% Born in same state 1,369 88.4% Born in different state 908 58.7% Foreign born 20 1.3% Naturalized citizen 159 10.3% Not a US citizen 7 4.4%
Ancestry
Ancestry Count % French 270 17.4% Italian 254 16.4% English 45 2.9%
Ancestry Count % Arab 39 2.5% German 13 0.8%
Technology access
Metric % of households Computer access 32.7% Internet access 94.7%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 95246
What city is ZIP code 95246 in?
ZIP code 95246 is primarily assigned to Mountain Ranch, California.
What county is ZIP code 95246 in?
ZIP code 95246 falls within Calaveras County, California.
Is ZIP code 95246 mostly owner-occupied?
89% of occupied units in ZIP code 95246 are owner-occupied, well above the national average.
What is the poverty rate in ZIP code 95246?
20% of residents in ZIP code 95246 live below the poverty line, above the national average.
Does ZIP code 95246 have a large veteran population?
11% of civilians in ZIP code 95246 are veterans, above the national average of ~7%.
What is the typical home value in ZIP code 95246?
The median home value in ZIP code 95246 is $325,000.
What timezone is ZIP code 95246 in?
ZIP code 95246 observes the PST timezone.
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