ZIP Code 95601 — Amador City city, CA Demographics & Data

ZIP code 95601 covers Amador City, CA in Amador County with a population of about 358.

At a glance, the area shows median age of 43.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 209, 350; U.S. House district CA-5; the SACRAMNTO - STKTN - MODESTO media market.

Median household income in ZIP 95601 is about $91,233 — about 21% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.8%; unemployment rate near 3.8%; 25.3% of adults with a bachelor’s degree or higher (about 8.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Real estate, Public administration, and Professional services; about 18.1% of workers reporting work-from-home (about 2.9 points above the U.S. share (15.2%)); a mean commute of about 167.0 minutes (U.S. average near 26.8).

Median home value is about $350,600 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,344 (about 16% above the U.S. median rent ($1,163)), and owner-occupancy near 66.7% (about 1.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95601 in Amador City, CA, a household would need roughly $97,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,252. That is roughly in line with the local median household income ($91,233). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Amador City city, CA as Relatively Low (composite score 79.2), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (98.1) and flood (70.0). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Amador City city, CA show little to no average snow and around 32.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 18 for ZIP 95601 (Amador City city, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.