ZIP 95220 vs ZIP 95632

This side-by-side compares ZIP 95220 (Acampo, CA) and ZIP 95632 (Galt, CA) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 95220 has a population of 7,273 at 49 people per square mile, while ZIP 95632 has 29,269 at 102 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 95220 reports a median household income of $114,637 against $102,239 in ZIP 95632, with per-capita income of $53,216 vs $42,521. The share of adults holding a bachelor's degree or higher is 23.5% in 95220 and 21.9% in 95632. Poverty rate reads 8.1% vs 8.5%, and unemployment 12.3% vs 7.0% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $706,600 in 95220 versus $522,200 in 95632, with median rent of $1,368 and $1,713 per month respectively. Homeownership rate is 71.1% vs 76.1%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.