95685 ZIP Code — Sutter Creek, CA

Amador County, California

ZIP code 95685 is located in Sutter Creek, California, within Amador County. It covers approximately 39.98 square miles and serves a population of 4,703 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 209.

About ZIP code 95685

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $528,700. Owner-occupancy sits near the national average at 71%.

The gap between median ($60,158) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 7% is below the national average. 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 21 minutes is near the national average. Remote work is prevalent — 24% of workers work from home.

Educational attainment is near the national average, with 35% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 95685 reflects a community defined by a strong veteran community, a high rate of remote workers, and a significant Social Security-dependent population.

4,703

population

39.98

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95685 ZIP code map

Cities in ZIP code 95685

Below are the cities the US Postal Service accepts for ZIP code 95685. Using any city not on this list may result in mail delivery delays.

City	Status
Sutter Creek	Acceptable
Sutter Creek	Preferred

Nearby ZIP codes

95669 Plymouth (6.4 mi) 95642 Jackson (7.1 mi) 95665 Pine Grove (7.2 mi) 95629 Fiddletown (9.5 mi) 95689 Volcano (9.7 mi) 95640 Ione (9.9 mi) 95232 Glencoe (11.9 mi) 95623 El Dorado (12.6 mi) 95245 Mokelumne Hill (15.9 mi) 95682 Shingle Springs (16.3 mi) 95619 Diamond Springs (16.9 mi) 95684 Somerset (17.5 mi)

Demographics updated 05/2026

Population
Total population	4,703
Population density	118 / sq mi
State FIPS	06
County FIPS	005

Geography
Land area	39.98 sq mi
Water area	0.01 sq mi
Latitude	38.4337
Longitude	-120.7821
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	38.5%	38.5%	32.6%
$50k – $100k	39.5%	33.1%	27.7%
$100k – $200k	11.7%	21.8%	26.4%
Over $200k	10.3%	6.6%	13.3%

Demographics & statistics

4,703

Population

118

People per sq mi

53.0

Median age

$60,158

Median household income

$45,416

Per capita income

$528,700

Median home value

$1,241

Median monthly rent

71.2%

Home ownership

7.3%

Poverty rate

7.5%

Unemployment

1,773

Housing units

35.3%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

113

132

10–14

155

112

15–19

131

20–24

277

25–34

323

246

35–44

287

198

45–54

231

55–59

172

60–64

201

349

65–74

407

304

75–84

355

101

85+

118

← Male

Female →

Age summary

Group	Count	%
Under 18	764	16.2%
18 and over	3,939	83.8%
65 and over	1,634	34.7%
Median age	53.0 years

Race & ethnicity

White 82.5%

Two or more races 8.9%

Hispanic or Latino 6.1%

Other race 1.5%

Black or African American 0.5%

Asian 0.4%

American Indian / Alaska Native 0.1%

Group	Count	%
White	4,133	82.5%
Two or more races	445	8.9%
Hispanic or Latino	307	6.1%
Other race	76	1.5%
Black or African American	24	0.5%
Asian	20	0.4%
American Indian / Alaska Native	5	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	38.5%	38.5%	32.6%
$50k – $100k	39.5%	33.1%	27.7%
$100k – $200k	11.7%	21.8%	26.4%
Over $200k	10.3%	6.6%	13.3%

Under $10k 2.7%

$10k–$15k 3.6%

$15k–$25k 7.9%

$25k–$35k 4.9%

$35k–$50k 12.9%

$50k–$75k 28.9%

$75k–$100k 13.9%

$100k–$150k 10.1%

$150k–$200k 5.1%

$200k+ 10.1%

Range	% of households
Under $10k	2.7%
$10k–$15k	3.6%
$15k–$25k	7.9%
$25k–$35k	4.9%
$35k–$50k	12.9%
$50k–$75k	28.9%
$75k–$100k	13.9%
$100k–$150k	10.1%
$150k–$200k	5.1%
$200k+	10.1%
Median income	$60,158

Housing

Home values

Under $50k 0.3%

$50k–$100k 0.5%

$100k–$150k 6.0%

$200k–$300k 4.9%

$300k–$500k 34.8%

$500k–$1M 37.0%

$1M+ 16.5%

Housing overview

Metric	Value
Median home value	$528,700
Median rent / month	$1,241
Owner occupied	71.2%
Renter occupied	28.8%
Vacant	11.3%
Single-family detached	81.7%
Large apartment buildings	3.2%
Mobile homes	2.1%
Median rooms	5.2
Avg household size (owned)	2.29

Year built

Era	%
2020 or later	0.0%
2010–2019	5.1%
2000–2009	15.3%
1990–1999	13.6%
1980–1989	10.1%
1970–1979	21.7%
1960–1969	12.6%
1950–1959	4.2%
1940–1949	4.5%
1939 or earlier	12.9%

Bedrooms

Size	% of units
No bedroom (studio)	5.3%
1 bedroom	9.2%
2 bedrooms	27.8%
3 bedrooms	49.0%
4 bedrooms	7.3%
5+ bedrooms	1.4%

Vehicles per household

Vehicles	% of households
No vehicle	3.8%
1 vehicle	35.1%
2 vehicles	36.8%
3 or more	24.4%

Heating fuel

Fuel type	%
Utility gas	35.5%
Electricity	23.9%
Propane / LP gas	20.4%
Fuel oil	1.8%
Wood	16.4%
Solar	1.9%

Households & families

Household type	Count	%
Married-couple family	892	42.2%
Cohabiting couple	60	2.8%
Male householder, no spouse	372	17.6%
Female householder, no spouse	790	37.4%
Households with children under 18	456	21.6%
Households with seniors (65+)	1,042	49.3%
Average household size	2.21

Marital status

Status	Male	Female
Never married	20.6%	18.1%
Married	55.9%	45.2%
Separated	3.4%	1.0%
Widowed	3.6%	21.5%
Divorced	16.5%	14.2%

Education

Less than 9th grade 0.9%

Some HS, no diploma 1.3%

HS graduate 16.8%

Some college, no degree 32.7%

Associate's degree 13.1%

Bachelor's degree 23.1%

Graduate / professional 12.2%

Metric	%
HS diploma or higher	97.8%
Bachelor's or higher	35.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	12	1.4%
Kindergarten	28	3.3%
Elementary school	458	53.9%
High school	234	27.6%
College / grad school	117	13.8%

Employment

Industry of employment

Education & healthcare 17.5%

Retail trade 15.6%

Arts, food & hospitality 15.1%

Professional & management 13.2%

Public administration 9.0%

Manufacturing 8.5%

Agriculture & mining 6.0%

Finance & real estate 5.2%

Other services 4.4%

Information 2.4%

Construction 2.0%

Wholesale trade 1.1%

Occupation

Category	%
Management, business & arts	44.8%
Service	24.6%
Sales & office	25.8%
Natural resources & construction	3.9%
Production & transportation	1.0%

Employment type

Type	%
Private sector	71.3%
Government	17.1%
Self-employed	11.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	65.7%
Carpool	5.3%
Public transit	0.0%
Walk	2.9%
Work from home	23.8%
Other means	2.3%
Avg commute (minutes)	21.3

Poverty

All people 7.3%

Under 18 years 17.8%

18 and over 5.3%

Married-couple families 0.0%

Female-led households 28.2%

Income support

Source	% of households
Social Security	54.0%
Retirement income	47.2%
Supplemental Security	0.8%
Cash public assistance	1.6%
Food stamps / SNAP	5.7%

Health indicators

Condition	%
Obesity	29.3%
High blood pressure	36.1%
High cholesterol	36.5%
Diabetes	11.6%
Heart disease	8.7%
Stroke	3.9%
Asthma	10.2%
Arthritis	30.9%
Kidney disease	3.7%
Pulmonary disease	9.0%
Cancer	9.2%

Behavior / access	%
Smoking	13.5%
Binge drinking	16.3%
No physical activity	20.4%
Less than 7 hrs sleep	31.7%
Depression	18.9%
Fair or poor health	15.9%
Poor mental health	14.0%
Poor physical health	12.2%
No health insurance	8.8%
Visited doctor (checkup)	71.9%
Visited dentist	66.6%
Cholesterol screening	93.3%
Teeth loss	11.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	488	12.4%

Disability	%
Any disability	14.3%
Under 18	0.0%
18–64 years	11.6%
65 and over	24.8%

Health insurance coverage

Type	%
Private insurance	73.3%
Public insurance	54.4%
No insurance	4.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,581	97.4%
Spanish	32	0.7%
Other Indo-European	8	0.2%
Asian & Pacific Islander	19	0.4%
Other languages	5	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,522	96.2%
Born in same state	4,510	95.9%
Born in different state	3,662	77.9%
Foreign born	12	0.3%
Naturalized citizen	181	3.8%
Not a US citizen	87	48.1%

Ancestry

Ancestry	Count	%
French	1,025	21.8%
Italian	531	11.3%
Arab	351	7.5%
Polish	102	2.2%

Ancestry	Count	%
Irish	70	1.5%
English	42	0.9%
German	19	0.4%
Dutch	13	0.3%

Technology access

Metric	% of households
Computer access	45.0%
Internet access	95.1%

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

Frequently asked questions about ZIP code 95685

What city is ZIP code 95685 in?

ZIP code 95685 is primarily assigned to Sutter Creek, California.

What county is ZIP code 95685 in?

ZIP code 95685 falls within Amador County, California.

Does ZIP code 95685 have an older population?

35% of residents in ZIP code 95685 are 65 or older, above the national average of ~17%.

Does ZIP code 95685 have a large retiree population?

54% of households in ZIP code 95685 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 95685 have a large veteran population?

12% of civilians in ZIP code 95685 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 95685?

The median home value in ZIP code 95685 is $528,700.

What timezone is ZIP code 95685 in?

ZIP code 95685 observes the PST timezone.