ZIP code 95635

ZIP 95635 is a small town in El Dorado County, California, with 1,424 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1347 of 1,803 ranked by population — larger than 25% of them. The median age here is 54.3 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 95635 earn a median of $81,136 a year, 3.3% above the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 6.9% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 95635 is valued at $475,600, 56.8% above the national figure, while median gross rent runs not published a month. The home-price-to-income ratio works out to 5.9×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 93% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

A median age of 54.3 puts ZIP 95635 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

The Census withheld gross rent for ZIP 95635 because the sample was too thin to publish at this geography. Those values were suppressed at the source, not lost in our dataset, and we do not model a replacement. Everything else on this page comes straight from the ACS 2019-2023 ACS 5-year tables.

ZIP 95635 is tabulated inside El Dorado County, California, one of 23 ZIP areas the Census publishes for that county and 1,803 across California. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 95635 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 95635 reports a median household income of $81,136, 10% below the $90,102 county median, and 10% below the $89,916 typical CA ZIP. Owner-occupied homes are valued at a median of $475,600, 11% below the county figure and 24% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at not published a month, which is why it reads higher than the advertised rent on a listing for the same unit.

California charges 7.25% statewide, and local governments overlapping 95635 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 95635 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.