California
Amador County
ZIP 95640
41,029 residents57 permits TTM$81,526 median HHI11 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$422,800
ACS 5-Year
Cap rate proxy
3.9%
FMR × 0.65 ÷ Home Value
Rent-to-income
20.3%
HUD FMR ÷ ACS HHI
Net migration
+2.39%
IRS SOI
Permits (TTM)
57
Census BPS
Climate risk
79.2
FEMA NRI (0–100)
ZIP 95640
Median home value
$422,800
Gross yield
5.0%
Buy Box score
0.2
Section 8 gap
27.5%
Affordability
P/I: 5.6R/I: 25.2%
Section 8 detail
SAFMR: $1,760Rent: $1,380Gap: 27.5%
ZIP code breakdown11 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Buy Box score ↓ | Section 8 gap |
|---|---|---|---|---|---|
| 95689 | — | — | — | 0.6 | — |
| 95666 | $422,800 | $1,640 | 4.7% | 0.6 | 18.8% |
| 95665 | — | — | — | 0.6 | — |
| 95642 | — | — | — | 0.5 | — |
| 95685 | — | — | — | 0.4 | — |
| 95640 | $422,800 | $1,760 | 5.0% | 0.2 | 27.5% |
| 95669 | — | — | — | 0.2 | — |
| 95601 | — | — | — | — | — |
| 95629 | $422,800 | $1,770 | 5.0% | — | 28.3% |
| 95675 | — | — | — | — | — |
| 95699 | — | — | — | — | — |
Sort by any column. Click a ZIP for detail.
Demographics
Owner-occupied
80.1%
Census ACS
Vacancy rate
15.1%
Census ACS
Bachelor's degree +
22.4%
Census ACS
Rent burdened
43.6%
Census ACS (>30% income)
Median age
49.9
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026