Ione, CA · standard
ZIP Code 95640
Amador County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 11,353
- 38/sq mi Moderate-density area
- $97,000
- Median income Above-median income area
- $450,500
- Median home value Above-median home value
- 16.5%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Ione pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 21%
- household income, US ZIPs
- Top 16%
- home value, US ZIPs
- 38
- people per sq mi
- 84%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95640 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 95640 (Ione, CA) rose +2.4% from 2023 to 2024. The all-transactions index moved from 271.8 in 2023 to 278.4 in 2024 (2000 = 100).
ZIP code 95640 is a mid-sized community (a standard USPS delivery area) in Ione, Amador County, California, home to 11,353 residents across 298.8 square miles, a density of 38 people per square mile, in the Los Angeles time zone.
ZIP 95640 lands in the middle-income range, with a median household income of $97,000 (5% below the average California ZIP), while per-capita income is $32,971. The poverty rate is 6.4%, with unemployment at 4.9%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $450,500 (42% below the average California ZIP), and median rent is $1,350; owner occupancy is 84.1%.
Educational attainment sits below the national norm: 16.5% of adults hold a bachelor's degree or higher, the median age is 41.6, and the average commute is 30 minutes. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Amador County, so 95640 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 95640
Top 5 sectors by establishment count in Ione, CA
Which industries have the most business establishments in ZIP 95640.
- Construction
Construction
22 establishments
- Accommodation and food services
Accommodation and food services
14 establishments
- Other services (except public administration)
Other services (except public administration)
11 establishments
- Professional, scientific, and technical services 7
Professional, scientific, and technical services
7 establishments
- Health care and social assistance 7
Health care and social assistance
7 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 95640, Ione, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
11,353
Population
298.8
Area (sq mi)
38
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95640?
41.6
Median Age
61.0%
Male
39.0%
Female
6.4%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$97,000
Median Household Income
-5% vs state ZIP avg
$32,971
Per Capita Income
6.4%
Poverty Rate
4.9%
Unemployment Rate
30.0 min
Mean Commute Time
How ZIP 95640 ranks among California ZIPs
Ione, CA household income vs. every California ZIP code
Median household income among 1,583 reporting California ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$97,000 Top 46% higher than 54% of 1,583 California ZIPs
Each bar is a $20K-wide band; taller bars hold more California ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
4,305housing units
4,305
Total Housing Units
4,182
Occupied Units
123
Vacant Units
2.55
Avg Household Size
Occupancy Type
$450,500
Median Home Value
-42% vs state ZIP avg
$1,350
Median Rent
1999
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+2.4%
YoY Change (2024)
278
HPI Index (2000 = 100)
+178%
Total Change Since 2000
Home values in ZIP 95640 have increased 2.4% over the past year (2024). Since 2000, this ZIP has seen +178% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.4% | 209 |
| 2021 | +14.2% | 238 |
| 2022 | +13.3% | 270 |
| 2023 | +0.8% | 272 |
| 2024 | +2.4% | 278 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 109 business establishments in ZIP 95640, employing approximately 964 people with a combined annual payroll of $62,603,000.
109
Businesses
964
Employees
$62.6M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 22 | 20.2% |
| Accommodation and food services | 14 | 12.8% |
| Other services (except public administration) | 11 | 10.1% |
| Professional, scientific, and technical services | 7 | 6.4% |
| Health care and social assistance | 7 | 6.4% |
| Manufacturing | 6 | 5.5% |
| Retail trade | 6 | 5.5% |
| Transportation and warehousing | 6 | 5.5% |
| Mining, quarrying, and oil and gas extraction | 4 | 3.7% |
| Wholesale trade | 4 | 3.7% |
| Finance and insurance | 4 | 3.7% |
| Real estate and rental and leasing | 4 | 3.7% |
| Administrative and support and waste management and remediation services | 4 | 3.7% |
| Arts, entertainment, and recreation | 4 | 3.7% |
| Agriculture, forestry, fishing and hunting | 3 | 2.8% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 95640 vs 95254 →
ZIP 95640 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95640
Ione (95640)
11,353 residents
- 95227 941
Clements (95227)
941 residents
- 95225 672
Burson (95225)
672 residents
- 95254 480
Wallace (95254)
480 residents
- 95601 198
Amador City (95601)
198 residents
- 95699 154
Drytown (95699)
154 residents
- 95226 84
Campo Seco (95226)
84 residents
What this shows Among its immediate neighbors, ZIP 95640 ranks the most populous - useful context the national average alone can't give.
ZIP 95640 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95699
Drytown (95699)
$250,000 median income
- 95227
Clements (95227)
$150,750 median income
- 95640 $97,000
Ione (95640)
$97,000 median income
- 95601 $94,023
Amador City (95601)
$94,023 median income
What this shows By household income, ZIP 95640 ranks #3 of 4 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95640, both outside CA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (11,353 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Amador County
Related Areas
Frequently Asked Questions
What county is ZIP code 95640 in?
ZIP code 95640 (Ione) is located in Amador County, California. Amador County contains multiple ZIP codes, see the full list at /counties/amador-ca.
What is the population of ZIP code 95640?
ZIP code 95640 in Ione, CA has a population of 11,353 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95640?
The median household income in ZIP 95640 is $97,000, which is 27% above the national average of $76,288.
What is the average home value in ZIP 95640?
The median home value in ZIP 95640 is $450,500, which is 62% above the national average of $278,155.
What is the demographic makeup of ZIP 95640?
The largest racial group in ZIP 95640 is White at 66.1%. Hispanic or Latino residents make up 20.5% of the population.
How many businesses are in ZIP code 95640?
ZIP code 95640 has 109 business establishments employing approximately 964 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95640?
The top industries by establishment count in ZIP 95640 are: Construction (22), Accommodation and food services (14), Other services (except public administration) (11). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 95640?
According to the FHFA House Price Index, home values in ZIP 95640 increased by 2.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 178%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 95640?
In ZIP code 95640, 41.8% of residents aged 25+ have a high school diploma or higher, and 16.5% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 95640?
The mean commute time for workers in ZIP code 95640 is 30.0 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 95640?
In ZIP code 95640, approximately 84.1% of occupied housing units are owner-occupied and 15.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95640?
The poverty rate in ZIP code 95640 is 6.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 95640's numbers, next.
- See how ZIP 95640 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Ione, CA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.