Granite Bay, CA demographics:
population, income, and more

Total population
21,673
1.4% year-over-year change
Median household income
$184,606/yr
-2.8% year-over-year change
Housing units
8,003
2.1% year-over-year change

Granite Bay population

How many people live in Granite Bay

Granite Bay is home to 21,673 residents, according to the most recent Census data. Gender-wise, 48.9% of Granite Bay locals are male, and 51.1% are female.

Total population
21,673
1.4% year-over-year change
Gender ratio
Male
48.9%
10,599
Female
51.1%
11,074
Value Percent YoY change
Male 10,599 48.9% 0.5%
Female 11,074 51.1% 2.2%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Granite Bay is 47, with the population distributed as follows: about 18% are children under 15, then 10.8% are in the 15 to 24 age group. Adults between 25 and 44 make up 16.7% of the population, while another 32% fall into the 45 to 64 bracket. Finally, around 22.5% are 65 or older.

Median age
47.2
Age breakdown
Under 15
18%
15 to 24
10.8%
25 to 44
16.7%
45 to 64
32%
Over 65
22.5%
Value Percent YoY change
Under 15 3,902 18% -0.7%
15 to 24 2,340 10.8% -5.8%
25 to 44 3,629 16.7% 7.4%
45 to 64 6,931 32% 2.4%
Over 65 4,871 22.5% 1.1%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Granite Bay, 88.1% of the population are US-born citizens, while 9.5% have gained naturalized citizenship. At the same time, 2.4% of residents are non-citizens. As for race, 75.5% of locals are Caucasian, 1% are African American and 9.8% have Asian roots. Another 0.6% are Indigenous American, 0.1% are Pacific Islanders, while 2.8% identify as another race. There’s also a share of 10.2% that includes residents with two or more races.

Citizenship
U.S.-born citizens
88.1%
Non-U.S.-born citizens
9.5%
Non-citizens
2.4%
Value Percent YoY change
U.S.-born citizens 19,091 88.1% 2.9%
Non-U.S.-born citizens 2,067 9.5% -3.7%
Non-citizens 515 2.4% -23.0%
Racial breakdown
White
75.5%
Black or African American
1%
American Indian and Alaska Native
0.6%
Asian
9.8%
Native Hawaiian and other Pacific Islander
0.1%
Two or more races
10.2%
Other
2.8%
Value Percent
White 16,358 75.5%
Black or African American 213 1%
American Indian and Alaska Native 138 0.6%
Asian 2,117 9.8%
Native Hawaiian and other Pacific Islander 19 0.1%
Two or more races 2,218 10.2%
Other 610 2.8%

Households in Granite Bay

A peek inside Granite Bay households

Granite Bay has 7,557 households, with an average of 3 members in each. Of these, 82.9% are families, while the remaining 17.1% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
7,557
1.1% year-over-year change
Average people per household
3
Non-family households
1,292
Family households
6,265
Value Percent YoY change
Non-family households 1,292 17.1% 3.8%
Family households 6,265 82.9% 0.6%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Granite Bay

The housing landscape of Granite Bay

Granite Bay's housing consists of 8,003 units, with 91.9% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 3.2% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 3.8% of the housing landscape.

Housing units
8,003
2.1% year-over-year change
Housing types
Value Percent
1 unit, detached 7,353 91.9%
1 unit, attached 258 3.2%
3 or 4 units 43 0.5%
50 or more units 46 0.6%
Mobile home 303 3.8%
Homes built since 2020
140
97.2% year-over-year change

The age of buildings in Granite Bay

In Granite Bay, the median construction year is 1987. Most development happened in the second half of the 20th century. Then, 13.3% of homes were added from 2000 to 2009, 5% between 2010 and 2019, and 1.8% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built between 1940 and 1949 36 0.4% 0.0%
Built between 1950 and 1959 346 4.3% 12.3%
Built between 1960 and 1969 844 10.6% 25.4%
Built between 1970 and 1979 1,898 23.7% 1.9%
Built between 1980 and 1989 1,350 16.9% -5.4%
Built between 1990 and 1999 1,922 24% -2.9%
Built between 2000 and 2009 1,066 13.3% -1.9%
Built between 2010 and 2019 401 5% 2.3%
Built in 2020 or later 140 1.8% 97.2%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Granite Bay occupancy rates

Out of the 7,557 occupied housing units in Granite Bay, 90% are owner-occupied, while 10% are lived in by tenants. Meanwhile, 5.6% of all homes on the local market sit vacant.

Occupied housing units
7,557
1.1% year-over-year change
Occupancy breakdown
Renter occupied
752
Owner occupied
6,805
Value Percent YoY
change
Renter occupied 752 10% 4.0%
Owner occupied 6,805 90% 0.8%
Unoccupied housing units
5.6%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Granite Bay housing costs

Housing costs in Granite Bay come to a median of $3,061 per month, while tenants specifically pay a median gross rent of $2,740.

Median housing costs per month
$3,061/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Granite Bay
$2,740/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Granite Bay

Granite Bay education at a glance

About 12.8% of the population in Granite Bay went to high school, while 18.6% pursued college studies. Another 8% earned an associate degree and 32.5% hold a bachelor’s. Meanwhile, 27.4% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 128 0.8% 2.4%
High school diploma 2,141 12.8% -14.8%
College diploma 3,109 18.6% -1.4%
Associate degree 1,340 8% 21.3%
Bachelor's degree 5,453 32.5% 12.3%
Graduate degree 4,591 27.4% -0.6%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Granite Bay

How much people earn in Granite Bay

The average annual household income in Granite Bay was $238,247 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a -1.6% change from the previous year. At the same time, the median income stood at $184,606, reflecting a -2.8% shift over the same period.

Average household income in Granite Bay
$238,247/year
-1.6% year-over-year change
Median household income in Granite Bay
$184,606/year
-2.8% year-over-year change

Granite Bay income by age

In Granite Bay, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $224,250. Those with someone between 45 and 64 in charge, often well established professionally, earn $225,470 overall. Overall, 94.9% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $224,250 -10.3%
45 - 64 $225,470 3.1%
Over 65 $123,448 19.4%
Above poverty level
20,283
Below poverty level
1,087
Value Percent YoY
change
Above poverty level 20,283 94.9% 1.2%
Below poverty level 1,087 5.1% 1.6%

Average renter income in Granite Bay

To get a better sense of what renters earn on average in Granite Bay, their median household income was $92,031 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 35.7%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$92,031
Rent-to-income ratio
35.7%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Granite Bay

Workforce and job types in Granite Bay

The job market in Granite Bay is powered by 9,618 working residents, spread across a range of industries and roles. 92% of the working population are employed in professional or administrative positions, while 8% are in hands-on or service-based jobs. Also, 14.3% run their own businesses, 56.8% are employed by private companies, and 21.4% work in the public sector.

Workforce demographics

Working population
9,618
0.5% year-over-year change
White collar
8,852
Blue collar
766
Value Percent YoY change
White collar 8,852 92% -0.2%
Blue collar 766 8% 9.3%
Employer type
Self employees
14.3%
Private companies
56.8%
Governmental workers
21.4%
Not for profit companies
7.5%
Value Percent YoY change
Self employees 1,377 14.3% -15.4%
Private companies 5,458 56.8% 2.0%
Governmental workers 2,062 21.4% 9.7%
Not for profit companies 721 7.5% 1.0%
Unemployment rate
4.5%
-1.3% year-over-year change

Available workforce

The unemployment rate in Granite Bay stands at 4.5%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Granite Bay

How people get around in Granite Bay

Commuting methods vary: 70.4% of residents travel by personal vehicle and 1.4% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 6,589 70.4% -5.0%
Bus or trolleybus 29 0.3% N/A
Bicycle 22 0.2% 4.8%
Walk 128 1.4% 16.4%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Granite Bay by zipcode?

Zipcode Population Number of households Median income Average income
95746 22,985 7,955 $183,305 $238,219

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FAQs about Granite Bay demographics 

What is the total population of Granite Bay?

Granite Bay has a total population of 21,673 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +1.4% compared to a year ago.

What is the gender ratio in Granite Bay?

The gender ratio in Granite Bay is as follows:
  • 48.9% males (10,599 residents)
  • 51.1% females (11,074 residents)

What is the median age in Granite Bay?

The median age in Granite Bay is 47.2.

What is the age distribution of the population in Granite Bay?

The age distribution in Granite Bay is as follows:
  • Under 15: 18% (3,902 residents)
  • Ages 15-24: 10.8% (2,340 residents)
  • Ages 25-44: 16.7% (3,629 residents)
  • Ages 45-64: 32% (6,931 residents)
  • Over 65: 22.5% (4,871 residents)

What is the racial and ethnic makeup of Granite Bay?

The racial and ethnic makeup of Granite Bay is as follows:
  • White: 75.5% (16,358 residents)
  • Black or African American: 1% (213 residents)
  • American Indian and Alaska Native: 0.6% (138 residents)
  • Asian: 9.8% (2,117 residents)
  • Native Hawaiian and Other Pacific Islander: 0.1% (19 residents)
  • Two or More Races: 10.2% (2,218 residents)
  • Other: 2.8% (610 residents)

What percentage of the population in Granite Bay are U.S.-born citizens?

U.S.-born citizens represent 88.1% of the population in Granite Bay.

How many housing units are there in Granite Bay?

There are 8,003 housing units in Granite Bay, reflecting a +2.1% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Granite Bay and what is the average household size?

Granite Bay has a total of 7,557 households, with an average of 3 people in each.

What is the median household income in Granite Bay?

Granite Bay has a median household income of $184,606, representing a -2.8% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Granite Bay?

The employment rate is 95.5% in Granite Bay, with a workforce of 9,618 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 92% (8,852 residents)
  • Blue-collar workers: 8% (766 residents)

Places of employment:
  • Self-employed: 14.3% (1,377 residents)
  • Private companies: 56.8% (5,458 residents)
  • Governmental workers: 21.4% (2,062 residents)
  • Not-for-profit companies: 7.5% (721 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025