The story of this market
The typical home in ZIP 95228 sells for about $526,000, or $276 per square foot.
Prices are up +19.6% from a year ago, so sellers still have some momentum. Homes take about 29 days to sell, which is fast. HUD's fair market rent for a two-bedroom is $2,456 a month.
ZIP 95228 — Copperopolis
The 95228 housing market shows resilience with a median price of $526,000, reflecting a 19.6% year-over-year increase. While inventory remains tight, the market is experiencing a longer selling window compared to previous years, suggesting a cooling in buyer urgency. The area remains a niche market driven by lifestyle buyers and recreational demand.
This ZIP is best suited for retirees, second-home buyers, and those seeking a quiet, lake-oriented lifestyle away from urban centers.
Median prices moved up 19.6% year over year.
Homes spend a median of 29 days on market with 3.7 months of supply — a fast-moving market.
33% of listings have cut prices · homes sell at 98.5% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.2% · poverty 6.8% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 95228, Calaveras County CA
The area is subject to wildfire risk common to the Sierra Nevada foothills, impacting insurance availability and premiums.
Growth is primarily driven by residential development in the Copperopolis area, with limited major commercial infrastructure.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (California) — Mello-Roos Community Facilities Act Special Parcel Tax Assessment: Levies an annual direct, non-ad valorem special tax directly on the parcel's secured property tax bill to fund designated community infrastructure (e.g., roads, sewer facilities, school facilities, emergency services) and repay municipal debt bonds. State (California) — California Homeowners' Property Tax Exemption: Reduces the taxable assessed value of the qualifying owner-occupied principal residence by $7,000 against the county assessment roll, generating a direct tax savings of approximately $70 annually (computed as $7,000 × 1% base rate). State (California) — California Proposition 13 Ad Valorem Real Property Tax: Establishes a base ad valorem tax rate capped at 1.0% of assessed value plus voter-approved local indebtedness and direct assessments (typically resulting in an effective tax rate of 1.1% to 1.25%).
Commuting typically requires a significant drive to employment centers in the Central Valley or the Bay Area.
The area features significant access to Lake Tulloch for water sports and proximity to regional golf courses and outdoor trails.
The rental market is characterized by limited inventory and demand from seasonal residents and those seeking a rural lifestyle.
The local economy is largely driven by tourism, recreation, and services supporting the residential community.
Parcels are subject to Calaveras County property tax assessments and various local utility and fire protection district fees.
Property insurance availability is constrained by regional wildfire risk, leading to higher premiums and reliance on the FAIR Plan.
Data retrieved from census.gov ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Ironstone Amphitheatre4.616.2 mi
- Ironstone Vineyards4.616.3 mi
- California Cavern State Historic Landmark4.719.3 mi
- The Armory4.516.7 mi
- Bistro 1204.416 mi
- Knights Ferry Recreation Area North4.89.9 mi
- Angels Camp Museum4.811.1 mi
- Stanislaus River Parks4.89.9 mi
- Mark Twain Cabin4.111.8 mi
- Horseshoe Road Recreation Area4.510.8 mi
- Mercer Caverns4.717.4 mi
- Ironstone Vineyards4.616.3 mi
- California Cavern State Historic Landmark4.719.3 mi
- California Gold Panning4.714.1 mi
- Angels Camp Museum4.811.1 mi
- Woodward Reservoir Park4.312.9 mi
- Knights Ferry Recreation Area North4.89.9 mi
- Stanislaus River Parks4.89.9 mi
- Horseshoe Road Recreation Area4.510.8 mi
- Historic Knights Ferry Covered Bridge4.79.9 mi
- New Melones Lake Marina4.58.5 mi
- Copper Valley Golf Club4.34.1 mi
- Saddle Creek Golf Resort4.64.1 mi
- Stockton Metropolitan Airport4.231 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
A major reservoir providing boating, fishing, and recreational opportunities.
A central hub for local retail and community events.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.