ZIP Code 95640

ZIP code 95640 is classified by USPS as a standard delivery area and covers roughly 298.8 square miles in Ione, Amador County, California. The area is home to 11,353 residents, producing a population density of 38 people per square mile, and falls within the Los Angeles time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 95640 against California and the nation.

On the economic side, the median household income for ZIP 95640 sits at $97,000 (5% below the California average), while per-capita income is $32,971. The poverty rate stands at 6.4% and the unemployment rate at 4.9%. On housing, the median home value is $450,500 (42% below the state average) with median rent at $1,350 per month, and 84.1% of occupied units are owner-occupied, a direct signal of whether 95640 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 16.5% of adults hold a bachelor's degree or higher, the median age is 41.6, and the average commute is 30 minutes. We also surface 6 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Amador County, so you can benchmark 95640 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →