95640 ZIP Code — Ione, CA

Amador County, California

ZIP code 95640 is located in Ione, California, within Amador County. It covers approximately 131.40 square miles and serves a population of 12,518 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 209.

About ZIP code 95640

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $427,000. Owner-occupancy is high at 79%, well above the national average.

Median household income is $90,665. 38% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 28 minutes is near the national average.

College attainment at 15% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 95640 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

12,518

population

131.40

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95640 ZIP code map

Cities in ZIP code 95640

Below are the cities the US Postal Service accepts for ZIP code 95640. Using any city not on this list may result in mail delivery delays.

City	Status
Ione	Acceptable
Ione	Preferred

Nearby ZIP codes

95642 Jackson (9.3 mi) 95669 Plymouth (9.8 mi) 95685 Sutter Creek (9.9 mi) 95638 Herald (11.7 mi) 95252 Valley Springs (13.4 mi) 95665 Pine Grove (14.7 mi) 95683 Sloughhouse (16.1 mi) 95237 Lockeford (16.8 mi) 95632 Galt (17 mi) 95220 Acampo (18.2 mi) 95693 Wilton (18.4 mi) 95232 Glencoe (18.4 mi)

Demographics updated 05/2026

Population
Total population	12,518
Population density	95 / sq mi
State FIPS	06
County FIPS	005

Geography
Land area	131.40 sq mi
Water area	6.33 sq mi
Latitude	38.3437
Longitude	-120.9233
Timezone	Pacific (PT)
Area code	209

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.1%	38.5%	32.6%
$50k – $100k	31.4%	33.1%	27.7%
$100k – $200k	27.3%	21.8%	26.4%
Over $200k	4.2%	6.6%	13.3%

Demographics & statistics

12,518

Population

People per sq mi

43.7

Median age

$90,665

Median household income

$34,119

Per capita income

$427,000

Median home value

$1,214

Median monthly rent

79.2%

Home ownership

8.5%

Poverty rate

2.2%

Unemployment

3,341

Housing units

14.5%

Bachelor's or higher

Age distribution

Male Female

396

Under 5

257

229

5–9

149

383

10–14

250

336

15–19

219

245

20–24

160

1,198

25–34

779

1,096

35–44

713

1,133

45–54

737

507

55–59

330

665

60–64

433

843

65–74

548

440

75–84

286

113

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,058	16.4%
18 and over	10,460	83.6%
65 and over	2,303	18.4%
Median age	43.7 years

Race & ethnicity

White 63.8%

Hispanic or Latino 12.5%

Two or more races 9.9%

Other race 7.5%

Black or African American 3.8%

American Indian / Alaska Native 1.8%

Asian 0.7%

Group	Count	%
White	9,119	63.8%
Hispanic or Latino	1,782	12.5%
Two or more races	1,420	9.9%
Other race	1,079	7.5%
Black or African American	538	3.8%
American Indian / Alaska Native	260	1.8%
Asian	100	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.1%	38.5%	32.6%
$50k – $100k	31.4%	33.1%	27.7%
$100k – $200k	27.3%	21.8%	26.4%
Over $200k	4.2%	6.6%	13.3%

Under $10k 8.4%

$10k–$15k 1.5%

$15k–$25k 5.6%

$25k–$35k 4.7%

$35k–$50k 5.6%

$50k–$75k 19.7%

$75k–$100k 11.3%

$100k–$150k 18.8%

$150k–$200k 16.9%

$200k+ 7.4%

Range	% of households
Under $10k	8.4%
$10k–$15k	1.5%
$15k–$25k	5.6%
$25k–$35k	4.7%
$35k–$50k	5.6%
$50k–$75k	19.7%
$75k–$100k	11.3%
$100k–$150k	18.8%
$150k–$200k	16.9%
$200k+	7.4%
Median income	$90,665

Housing

Home values

Under $50k 0.3%

$50k–$100k 0.5%

$100k–$150k 5.2%

$150k–$200k 3.3%

$200k–$300k 7.8%

$300k–$500k 54.1%

$500k–$1M 26.3%

$1M+ 2.5%

Housing overview

Metric	Value
Median home value	$427,000
Median rent / month	$1,214
Owner occupied	79.2%
Renter occupied	20.8%
Vacant	5.8%
Single-family detached	79.7%
Large apartment buildings	5.5%
Mobile homes	11.8%
Median rooms	5.6
Avg household size (owned)	2.61

Year built

Era	%
2020 or later	1.0%
2010–2019	10.6%
2000–2009	33.8%
1990–1999	16.7%
1980–1989	15.4%
1970–1979	12.3%
1960–1969	3.7%
1950–1959	2.1%
1940–1949	0.0%
1939 or earlier	4.4%

Bedrooms

Size	% of units
No bedroom (studio)	1.5%
1 bedroom	5.2%
2 bedrooms	14.2%
3 bedrooms	64.7%
4 bedrooms	14.0%
5+ bedrooms	0.4%

Vehicles per household

Vehicles	% of households
No vehicle	6.7%
1 vehicle	23.1%
2 vehicles	38.4%
3 or more	31.9%

Heating fuel

Fuel type	%
Utility gas	37.2%
Electricity	31.7%
Propane / LP gas	17.9%
Wood	7.9%
Solar	4.2%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	2,172	55.5%
Cohabiting couple	293	7.5%
Male householder, no spouse	556	14.2%
Female householder, no spouse	891	22.8%
Households with children under 18	1,125	28.8%
Households with seniors (65+)	1,366	34.9%
Average household size	2.50

Marital status

Status	Male	Female
Never married	36.1%	19.2%
Married	43.2%	52.5%
Separated	2.1%	1.2%
Widowed	3.2%	11.8%
Divorced	15.5%	15.4%

Education

Less than 9th grade 3.6%

Some HS, no diploma 9.6%

HS graduate 26.0%

Some college, no degree 29.9%

Associate's degree 16.5%

Bachelor's degree 11.6%

Graduate / professional 2.8%

Metric	%
HS diploma or higher	86.8%
Bachelor's or higher	14.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	152	4.8%
Kindergarten	134	4.3%
Elementary school	778	24.7%
High school	1,059	33.6%
College / grad school	1,028	32.6%

Employment

Industry of employment

Education & healthcare 17.4%

Public administration 16.1%

Professional & management 11.0%

Construction 9.2%

Other services 8.6%

Arts, food & hospitality 7.3%

Retail trade 6.7%

Manufacturing 5.0%

Transportation & utilities 5.0%

Finance & real estate 5.0%

Agriculture & mining 3.9%

Wholesale trade 3.2%

Information 1.5%

Occupation

Category	%
Management, business & arts	34.5%
Service	22.1%
Sales & office	18.4%
Natural resources & construction	13.3%
Production & transportation	11.7%

Employment type

Type	%
Private sector	71.1%
Government	23.5%
Self-employed	5.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.1%
Carpool	6.8%
Public transit	0.1%
Walk	1.0%
Work from home	10.4%
Other means	1.7%
Avg commute (minutes)	27.5

Poverty

All people 8.5%

Under 18 years 4.9%

18 and over 9.4%

Married-couple families 2.6%

Female-led households 8.7%

Income support

Source	% of households
Social Security	38.3%
Retirement income	32.2%
Supplemental Security	3.2%
Cash public assistance	1.9%
Food stamps / SNAP	6.2%

Health indicators

Condition	%
Obesity	31.8%
High blood pressure	29.4%
High cholesterol	30.7%
Diabetes	9.5%
Heart disease	6.0%
Stroke	2.8%
Asthma	9.2%
Arthritis	21.2%
Kidney disease	2.6%
Pulmonary disease	6.4%
Cancer	5.6%

Behavior / access	%
Smoking	15.9%
Binge drinking	22.3%
No physical activity	19.5%
Less than 7 hrs sleep	35.0%
Depression	17.1%
Fair or poor health	14.8%
Poor mental health	14.3%
Poor physical health	10.4%
No health insurance	14.1%
Visited doctor (checkup)	64.4%
Visited dentist	61.7%
Cholesterol screening	90.1%
Teeth loss	11.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	939	9.0%

Disability	%
Any disability	13.3%
Under 18	1.5%
18–64 years	12.9%
65 and over	26.2%

Health insurance coverage

Type	%
Private insurance	75.3%
Public insurance	39.0%
No insurance	5.2%
Uninsured under 19	4.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	11,865	94.8%
Spanish	450	3.8%
Other Indo-European	410	3.5%
Asian & Pacific Islander	6	0.1%
Other languages	15	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	11,673	93.2%
Born in same state	11,544	92.2%
Born in different state	8,993	71.8%
Foreign born	129	1.0%
Naturalized citizen	845	6.8%
Not a US citizen	481	56.9%

Ancestry

Ancestry	Count	%
Italian	1,505	12%
French	1,098	8.8%
Arab	220	1.8%
English	145	1.2%

Ancestry	Count	%
Irish	119	1%
Polish	89	0.7%
Dutch	69	0.6%
German	30	0.2%

Technology access

Metric	% of households
Computer access	31.3%
Internet access	88.5%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 95640

What city is ZIP code 95640 in?

ZIP code 95640 is primarily assigned to Ione, California.

What county is ZIP code 95640 in?

ZIP code 95640 falls within Amador County, California.

How educated is the population of ZIP code 95640?

15% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 95640 have a large retiree population?

38% of households in ZIP code 95640 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 95640?

The median home value in ZIP code 95640 is $427,000.

What is the population of ZIP code 95640?

ZIP code 95640 has an estimated population of 12,518 residents, with a density of 95 people per square mile.

What timezone is ZIP code 95640 in?

ZIP code 95640 observes the PST timezone.