ZIP Code 95746 — Granite Bay CDP, CA Demographics & Data

ZIP code 95746 covers Granite Bay, CA in Placer County with a population of about 22,549.

At a glance, the area shows median age of 48.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 279, 916; U.S. House district CA-3; the SACRAMNTO - STKTN - MODESTO media market.

Granite Bay, CA aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 95746 is about $182,321 — about 143% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.1%; unemployment rate near 4.3%; 61.3% of adults with a bachelor’s degree or higher (about 27.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Public administration; about 23.9% of workers reporting work-from-home (about 8.7 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $1,057,600 — about 204% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,153 (about 85% above the U.S. median rent ($1,163)), and owner-occupancy near 89.0% (about 23.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95746 in Granite Bay, CA, a household would need roughly $291,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $6,794. That is about 60% above the local median household income ($182,321), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Granite Bay CDP, CA as Relatively Moderate (composite score 93.1), which is among the highest nationally. The strongest component scores on US5 are wildfire (98.7) and flood (95.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Granite Bay CDP, CA show little to no average snow and around 36.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,110 for ZIP 95746 (Granite Bay CDP, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.