95946 ZIP Code — Penn Valley, CA

Nevada County, California

ZIP code 95946 is located in Penn Valley, California, within Nevada County. It covers approximately 44.72 square miles and serves a population of 9,049 residents. This is a po box ZIP code in the Pacific (PT) timezone, served by area code 530.

About ZIP code 95946

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $500,100. Owner-occupancy is high at 81%, well above the national average.

Median household income is $78,428. 54% 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 33 minutes is near the national average.

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

Notable community characteristics include a notable veteran presence at 14% of civilians, above the national average of 7%.

Overall, ZIP code 95946 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

9,049

population

44.72

sq mi land

PO Box

ZIP type

Pacific (PT)

timezone

95946 ZIP code map

Cities in ZIP code 95946

Below are the cities the US Postal Service accepts for ZIP code 95946. Using any city not on this list may result in mail delivery delays.

City	Status
Penn Valley	Acceptable
Penn Valley	Acceptable

Demographics updated 06/2026

Population
Total population	9,049
Population density	202 / sq mi
State FIPS	06
County FIPS	057

Geography
Land area	44.72 sq mi
Water area	0.86 sq mi
Latitude	39.1763
Longitude	-121.2041
Timezone	Pacific (PT)
Area code	530

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.2%	37.2%	32.6%
$50k – $100k	36.4%	29.6%	27.7%
$100k – $200k	19.1%	23.2%	26.4%
Over $200k	7.3%	10.0%	13.3%

Demographics & statistics

9,049

Population

202

People per sq mi

57.5

Median age

$78,428

Median household income

$40,895

Per capita income

$500,100

Median home value

$2,044

Median monthly rent

80.5%

Home ownership

11.3%

Poverty rate

2.8%

Unemployment

3,482

Housing units

35.5%

Bachelor's or higher

Age distribution

Male Female

116

Under 5

123

156

5–9

165

248

10–14

262

178

15–19

188

168

20–24

178

324

25–34

341

522

35–44

551

325

45–54

342

352

55–59

370

429

60–64

452

905

65–74

954

454

75–84

478

228

85+

240

← Male

Female →

Age summary

Group	Count	%
Under 18	1,327	14.7%
18 and over	7,722	85.3%
65 and over	3,259	36.0%
Median age	57.5 years

Race & ethnicity

White 81.3%

Two or more races 8.2%

Hispanic or Latino 7%

Other race 1.6%

Asian 1.1%

American Indian / Alaska Native 0.6%

Black or African American 0.1%

Group	Count	%
White	7,913	81.3%
Two or more races	795	8.2%
Hispanic or Latino	682	7%
Other race	158	1.6%
Asian	111	1.1%
American Indian / Alaska Native	59	0.6%
Black or African American	13	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.2%	37.2%	32.6%
$50k – $100k	36.4%	29.6%	27.7%
$100k – $200k	19.1%	23.2%	26.4%
Over $200k	7.3%	10.0%	13.3%

Under $10k 5.3%

$15k–$25k 3.4%

$25k–$35k 8.4%

$35k–$50k 10.3%

$50k–$75k 18.7%

$75k–$100k 17.2%

$100k–$150k 14.5%

$150k–$200k 12.0%

$200k+ 10.2%

Range	% of households
Under $10k	5.3%
$15k–$25k	3.4%
$25k–$35k	8.4%
$35k–$50k	10.3%
$50k–$75k	18.7%
$75k–$100k	17.2%
$100k–$150k	14.5%
$150k–$200k	12.0%
$200k+	10.2%
Median income	$78,428

Housing

Home values

Under $50k 4.7%

$50k–$100k 0.7%

$100k–$150k 0.1%

$150k–$200k 0.7%

$200k–$300k 3.9%

$300k–$500k 40.0%

$500k–$1M 44.8%

$1M+ 5.2%

Housing overview

Metric	Value
Median home value	$500,100
Median rent / month	$2,044
Owner occupied	80.5%
Renter occupied	19.5%
Vacant	14.7%
Single-family detached	92.4%
Large apartment buildings	0.5%
Mobile homes	5.4%
Median rooms	6.0
Avg household size (owned)	2.48

Year built

Era	%
2020 or later	0.0%
2010–2019	1.8%
2000–2009	12.7%
1990–1999	13.0%
1980–1989	34.5%
1970–1979	25.7%
1960–1969	5.1%
1950–1959	3.6%
1940–1949	2.6%
1939 or earlier	1.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	3.8%
2 bedrooms	19.7%
3 bedrooms	59.8%
4 bedrooms	13.9%
5+ bedrooms	2.3%

Vehicles per household

Vehicles	% of households
No vehicle	3.9%
1 vehicle	24.3%
2 vehicles	34.4%
3 or more	37.4%

Heating fuel

Fuel type	%
Utility gas	20.7%
Electricity	12.6%
Propane / LP gas	50.6%
Fuel oil	1.0%
Wood	10.6%
Solar	1.4%

Households & families

Household type	Count	%
Married-couple family	2,333	65.5%
Cohabiting couple	113	3.2%
Male householder, no spouse	380	10.7%
Female householder, no spouse	735	20.6%
Households with children under 18	580	16.3%
Households with seniors (65+)	1,959	55.0%
Average household size	2.53

Marital status

Status	Male	Female
Never married	29.0%	16.0%
Married	65.4%	60.7%
Separated	0.5%	0.6%
Widowed	0.3%	9.1%
Divorced	4.8%	13.6%

Education

Less than 9th grade 2.7%

Some HS, no diploma 3.0%

HS graduate 20.4%

Some college, no degree 28.0%

Associate's degree 10.3%

Bachelor's degree 25.3%

Graduate / professional 10.2%

Metric	%
HS diploma or higher	94.2%
Bachelor's or higher	35.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	53	3.8%
Kindergarten	57	4.1%
Elementary school	633	45.9%
High school	410	29.7%
College / grad school	227	16.4%

Employment

Industry of employment

Education & healthcare 32.0%

Construction 17.0%

Professional & management 9.1%

Retail trade 8.6%

Other services 7.9%

Transportation & utilities 5.7%

Public administration 5.7%

Finance & real estate 4.6%

Arts, food & hospitality 3.0%

Manufacturing 2.5%

Agriculture & mining 1.8%

Information 1.8%

Wholesale trade 0.3%

Occupation

Category	%
Management, business & arts	32.3%
Service	15.7%
Sales & office	22.4%
Natural resources & construction	20.3%
Production & transportation	9.3%

Employment type

Type	%
Private sector	64.1%
Government	17.0%
Self-employed	18.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	74.0%
Carpool	7.6%
Public transit	0.0%
Walk	2.3%
Work from home	14.9%
Other means	1.2%
Avg commute (minutes)	33.2

Poverty

All people 11.3%

Under 18 years 19.7%

18 and over 9.9%

Married-couple families 4.7%

Female-led households 8.9%

Income support

Source	% of households
Social Security	54.4%
Retirement income	40.6%
Supplemental Security	7.3%
Cash public assistance	2.6%
Food stamps / SNAP	3.3%

Health indicators

Condition	%
Obesity	28.3%
High blood pressure	35.5%
High cholesterol	38.7%
Diabetes	11.3%
Heart disease	8.7%
Stroke	3.8%
Asthma	9.9%
Arthritis	31.0%
Kidney disease	3.7%
Pulmonary disease	8.5%
Cancer	9.8%

Behavior / access	%
Smoking	11.8%
Binge drinking	15.5%
No physical activity	18.7%
Less than 7 hrs sleep	28.6%
Depression	18.5%
Fair or poor health	14.6%
Poor mental health	13.1%
Poor physical health	11.5%
No health insurance	7.7%
Visited doctor (checkup)	72.1%
Visited dentist	69.4%
Cholesterol screening	94.0%
Teeth loss	9.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,104	14.3%

Disability	%
Any disability	15.3%
Under 18	4.4%
18–64 years	9.4%
65 and over	27.8%

Health insurance coverage

Type	%
Private insurance	64.6%
Public insurance	56.9%
No insurance	3.7%
Uninsured under 19	0.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,810	97.4%
Spanish	135	1.5%
Other Indo-European	105	1.2%
Asian & Pacific Islander	0	0.0%
Other languages	30	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,864	98.0%
Born in same state	8,790	97.1%
Born in different state	6,229	68.8%
Foreign born	74	0.8%
Naturalized citizen	185	2.0%
Not a US citizen	115	62.2%

Ancestry

Ancestry	Count	%
French	1,397	15.4%
Italian	813	9%
Polish	425	4.7%
Arab	320	3.5%

Ancestry	Count	%
English	104	1.1%
Irish	90	1%
Dutch	17	0.2%

Technology access

Metric	% of households
Computer access	39.4%
Internet access	97.1%

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

Frequently asked questions about ZIP code 95946

What city is ZIP code 95946 in?

ZIP code 95946 is primarily assigned to Penn Valley, California.

What county is ZIP code 95946 in?

ZIP code 95946 falls within Nevada County, California.

Does ZIP code 95946 have an older population?

36% of residents in ZIP code 95946 are 65 or older, above the national average of ~17%.

Does ZIP code 95946 have a large retiree population?

54% of households in ZIP code 95946 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 95946 mostly owner-occupied?

81% of occupied units in ZIP code 95946 are owner-occupied, well above the national average.

Does ZIP code 95946 have a large veteran population?

14% of civilians in ZIP code 95946 are veterans, above the national average of ~7%.

What timezone is ZIP code 95946 in?

ZIP code 95946 observes the PST timezone.