95684 ZIP Code — Somerset, CA

El Dorado County, California

ZIP code 95684 is located in Somerset, California, within El Dorado County. It covers approximately 159.81 square miles and serves a population of 2,913 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 530.

About ZIP code 95684

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 $558,900. Owner-occupancy is high at 83%, well above the national average.

The gap between median ($81,331) and mean household income suggests income inequality — a small number of higher earners pull the average up. 47% 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 42 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 37% of residents holding a bachelor's degree or higher.

Overall, ZIP code 95684 reflects a community defined by high homeownership and a significant Social Security-dependent population.

2,913

population

159.81

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95684 ZIP code map

Cities in ZIP code 95684

Below are the cities the US Postal Service accepts for ZIP code 95684. Using any city not on this list may result in mail delivery delays.

City	Status
Somerset	Acceptable
Somerset	Preferred

Nearby ZIP codes

95636 Grizzly Flats (5.1 mi) 95629 Fiddletown (8 mi) 95689 Volcano (9.7 mi) 95666 Pioneer (10.3 mi) 95709 Camino (12.8 mi) 95726 Pollock Pines (13.2 mi) 95255 West Point (14.1 mi) 95665 Pine Grove (15.7 mi) 95619 Diamond Springs (15.8 mi) 95257 Wilseyville (15.9 mi) 95232 Glencoe (16.9 mi) 95623 El Dorado (16.9 mi)

Demographics updated 06/2026

Population
Total population	2,913
Population density	18 / sq mi
State FIPS	06
County FIPS	017

Geography
Land area	159.81 sq mi
Water area	0.06 sq mi
Latitude	38.5979
Longitude	-120.5348
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	42.3%	30.3%	32.6%
$50k – $100k	24.7%	27.3%	27.7%
$100k – $200k	21.4%	28.3%	26.4%
Over $200k	11.6%	14.1%	13.3%

Demographics & statistics

2,913

Population

People per sq mi

60.2

Median age

$81,331

Median household income

$59,626

Per capita income

$558,900

Median home value

$1,653

Median monthly rent

82.8%

Home ownership

9.5%

Poverty rate

4.6%

Unemployment

1,395

Housing units

37.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

134

20–24

127

139

25–34

133

35–44

173

45–54

165

113

55–59

107

278

60–64

265

305

65–74

290

134

75–84

127

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	190	6.5%
18 and over	2,723	93.5%
65 and over	936	32.1%
Median age	60.2 years

Race & ethnicity

White 65.5%

Hispanic or Latino 13.1%

Two or more races 12.5%

Other race 7.5%

Asian 1%

Black or African American 0.4%

Group	Count	%
White	2,196	65.5%
Hispanic or Latino	438	13.1%
Two or more races	420	12.5%
Other race	250	7.5%
Asian	33	1%
Black or African American	14	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.3%	30.3%	32.6%
$50k – $100k	24.7%	27.3%	27.7%
$100k – $200k	21.4%	28.3%	26.4%
Over $200k	11.6%	14.1%	13.3%

Under $10k 9.4%

$10k–$15k 4.8%

$15k–$25k 7.3%

$25k–$35k 0.3%

$35k–$50k 11.2%

$50k–$75k 14.1%

$75k–$100k 12.7%

$100k–$150k 10.1%

$150k–$200k 5.7%

$200k+ 24.4%

Range	% of households
Under $10k	9.4%
$10k–$15k	4.8%
$15k–$25k	7.3%
$25k–$35k	0.3%
$35k–$50k	11.2%
$50k–$75k	14.1%
$75k–$100k	12.7%
$100k–$150k	10.1%
$150k–$200k	5.7%
$200k+	24.4%
Median income	$81,331

Housing

Home values

Under $50k 2.6%

$50k–$100k 3.9%

$100k–$150k 0.4%

$150k–$200k 0.3%

$200k–$300k 5.7%

$300k–$500k 29.6%

$500k–$1M 47.4%

$1M+ 10.0%

Housing overview

Metric	Value
Median home value	$558,900
Median rent / month	$1,653
Owner occupied	82.8%
Renter occupied	17.2%
Vacant	13.9%
Single-family detached	86.9%
Large apartment buildings	3.5%
Mobile homes	9.2%
Median rooms	5.5
Avg household size (owned)	2.12

Year built

Era	%
2020 or later	0.0%
2010–2019	4.2%
2000–2009	9.8%
1990–1999	22.2%
1980–1989	28.6%
1970–1979	11.3%
1960–1969	10.4%
1950–1959	5.5%
1940–1949	0.0%
1939 or earlier	8.0%

Bedrooms

Size	% of units
No bedroom (studio)	4.9%
1 bedroom	8.6%
2 bedrooms	25.9%
3 bedrooms	46.2%
4 bedrooms	13.1%
5+ bedrooms	1.3%

Vehicles per household

Vehicles	% of households
No vehicle	4.1%
1 vehicle	28.2%
2 vehicles	20.4%
3 or more	47.3%

Heating fuel

Fuel type	%
Utility gas	11.1%
Electricity	28.4%
Propane / LP gas	27.0%
Wood	29.8%
Solar	3.6%

Households & families

Household type	Count	%
Married-couple family	762	54.0%
Cohabiting couple	104	7.4%
Male householder, no spouse	183	13.0%
Female householder, no spouse	361	25.6%
Households with children under 18	106	7.5%
Households with seniors (65+)	733	52.0%
Average household size	2.07

Marital status

Status	Male	Female
Never married	22.6%	13.5%
Married	67.4%	57.7%
Separated	0.4%	1.9%
Widowed	3.3%	11.5%
Divorced	6.3%	15.4%

Education

Less than 9th grade 3.7%

Some HS, no diploma 2.9%

HS graduate 19.3%

Some college, no degree 29.8%

Associate's degree 7.1%

Bachelor's degree 25.3%

Graduate / professional 11.8%

Metric	%
HS diploma or higher	93.3%
Bachelor's or higher	37.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	44	10.2%
Elementary school	101	23.4%
High school	22	5.1%
College / grad school	265	61.3%

Employment

Industry of employment

Education & healthcare 27.6%

Professional & management 26.8%

Retail trade 8.7%

Public administration 7.2%

Arts, food & hospitality 7.0%

Finance & real estate 5.6%

Agriculture & mining 5.2%

Construction 4.6%

Manufacturing 3.5%

Information 1.4%

Transportation & utilities 1.2%

Wholesale trade 0.9%

Other services 0.4%

Occupation

Category	%
Management, business & arts	59.1%
Service	20.7%
Sales & office	11.9%
Natural resources & construction	5.6%
Production & transportation	2.7%

Employment type

Type	%
Private sector	72.2%
Government	11.5%
Self-employed	16.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	75.2%
Carpool	8.5%
Public transit	0.0%
Walk	1.1%
Work from home	14.5%
Other means	0.7%
Avg commute (minutes)	42.4

Poverty

All people 9.5%

Under 18 years 1.1%

18 and over 10.1%

Married-couple families 5.9%

Female-led households 0.0%

Income support

Source	% of households
Social Security	47.4%
Retirement income	44.3%
Supplemental Security	3.8%
Cash public assistance	0.1%
Food stamps / SNAP	1.9%

Health indicators

Condition	%
Obesity	31.4%
High blood pressure	33.8%
High cholesterol	35.0%
Diabetes	11.2%
Heart disease	7.6%
Stroke	3.5%
Asthma	10.5%
Arthritis	28.6%
Kidney disease	3.3%
Pulmonary disease	8.4%
Cancer	7.9%

Behavior / access	%
Smoking	14.3%
Binge drinking	17.6%
No physical activity	19.7%
Less than 7 hrs sleep	31.9%
Depression	19.4%
Fair or poor health	15.4%
Poor mental health	14.5%
Poor physical health	12.1%
No health insurance	8.2%
Visited doctor (checkup)	70.1%
Visited dentist	68.7%
Cholesterol screening	93.3%
Teeth loss	10.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	194	7.3%

Disability	%
Any disability	16.6%
Under 18	1.1%
18–64 years	8.3%
65 and over	34.9%

Health insurance coverage

Type	%
Private insurance	81.3%
Public insurance	42.3%
No insurance	2.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,892	99.3%
Spanish	30	1.0%
Other Indo-European	27	0.9%
Asian & Pacific Islander	3	0.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,682	92.1%
Born in same state	2,638	90.6%
Born in different state	1,890	64.9%
Foreign born	44	1.5%
Naturalized citizen	231	7.9%
Not a US citizen	226	97.8%

Ancestry

Ancestry	Count	%
Italian	439	15.1%
French	397	13.6%
Arab	173	5.9%

Ancestry	Count	%
Polish	100	3.4%
English	40	1.4%
Dutch	38	1.3%

Technology access

Metric	% of households
Computer access	48.4%
Internet access	94.3%

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

Frequently asked questions about ZIP code 95684

What city is ZIP code 95684 in?

ZIP code 95684 is primarily assigned to Somerset, California.

What county is ZIP code 95684 in?

ZIP code 95684 falls within El Dorado County, California.

Does ZIP code 95684 have an older population?

32% of residents in ZIP code 95684 are 65 or older, above the national average of ~17%.

Does ZIP code 95684 have a large retiree population?

47% of households in ZIP code 95684 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 95684 mostly owner-occupied?

83% of occupied units in ZIP code 95684 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 95684?

The median home value in ZIP code 95684 is $558,900.

What timezone is ZIP code 95684 in?

ZIP code 95684 observes the PST timezone.