Many genes, each adding a little
Skin tone is polygenic: genes such as MC1R, OCA2, SLC24A5 and SLC45A2 each nudge the type and amount of melanin up or down, so skin color forms a continuum rather than set categories. The Tech Interactive's Ask a Geneticist answer "Where do different skin colors come from?" by Jamie Conklin, November 2008, explains that several genes are involved.