ZIP Code 95653 — Madison CDP, CA Demographics & Data

ZIP code 95653 covers Madison, CA in Yolo County with a population of about 682.

At a glance, the area shows median age of 40.5 versus a U.S. median of about 38.9.

It sits in telephone area code 530; U.S. House district CA-4; the SACRAMNTO - STKTN - MODESTO media market.

On socioeconomic markers, US5 shows a poverty rate of 48.7%; unemployment rate near 0.0%; 4.1% of adults with a bachelor’s degree or higher (about 29.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Food services, and Other services; a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $320,800 — about 8% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 83.4% (about 18.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95653 in Madison, CA, a household would need roughly $88,000 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 $2,061. 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 Madison CDP, CA as Relatively Moderate (composite score 91.4), which is among the highest nationally. The strongest component scores on US5 are flood (89.6) and wildfire (87.0). 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 Madison CDP, CA show little to no average snow and around 20.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 34 for ZIP 95653 (Madison CDP, 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.