ZIP code 95646

ZIP 95646 is a very small community in Alpine County, California, with 406 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1555 of 1,803 ranked by population — larger than 13% of them. The median age here is 37.9 years against 39.1 nationally, a slightly younger profile than the country as a whole. 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 95646 earn a median of $145,341 a year, 85.1% 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 17.7% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 95646 is valued at $568,200, 87.3% above the national figure, while median gross rent runs not published a month. The home-price-to-income ratio works out to 3.9×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 81.7% 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. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Median income runs above the national figure while poverty also runs above it — a split distribution, not a uniformly comfortable place. Averages hide that; the two numbers together do not. With 406 residents, a handful of survey responses moves every median on this page. Compare ZIP 95646 against its county rather than against national figures.

The Census withheld gross rent for ZIP 95646 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 95646 is tabulated inside Alpine County, California, one of 3 ZIP areas the Census publishes for that county and 1,803 across California. This is one of the smallest tabulated ZIP areas in the state, the kind of rural route where a single subdivision or farm cluster accounts for most addresses. 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 95646 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 95646 reports a median household income of $145,341, 44% above the $100,909 county median, and 62% above the $89,916 typical CA ZIP. Owner-occupied homes are valued at a median of $568,200, 18% above the county figure and 10% 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 95646 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 95646 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.