California
Amador County
ZIP 95689
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 95689
Median home value
$386,629
Gross yield
5.3%
Cap rate
4.3%
Rent gap
18.7%
Affordability
P/I: 4.7R/I: —
Section 8 detail
SAFMR: $1,698Rent: $1,380Gap: 23.0%
ZIP code breakdown11 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 95601 | $422,800county est. | $1,698 | 4.8% | 3.9% | 18.7% |
| 95629 | $422,800county est. | $1,770 | 5.0% | 3.9% | 22.0% |
| 95640 | $458,668 | $1,760 | 4.6% | 4.5% | 2.7% |
| 95642 | $427,401 | $1,698 | 4.8% | 3.9% | 18.7% |
| 95665 | $393,646 | $1,698 | 5.2% | 4.2% | 18.7% |
Ranked by composite score
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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