ZIP Code 95640 — Ione, California

The median home in 95640 is valued at $427,000 against a median household income of $90,665, a price-to-income ratio of 4.7. That is below the 6.7 median across the 1,558 California ZIP codes with published housing data, and past the 3.0 ratio that marks an attainable market nationally, though it is among the more attainable ratios in the state. Within Amador County, 95640 ranks 4 of 9 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.4. Renting takes 16.1% of median household income (median rent $1,214 a month), under the 30% cost-burden threshold.

95640 ranks 719 of 1,558 statewide on median household income and 1,062 of 1,558 on median home value; its income is above the $78,143 Amador County median. 79% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 15% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 8.5%, below the 10.8% statewide ZIP median. Unemployment stands at 2.2%.

With 95 residents per square mile across 131.4 square miles of land, 95640 is far less dense than the statewide ZIP median of 1,120 (rank 1,149 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.