ZIP code 95327

ZIP 95327 is a mid-size town in Tuolumne County, California, with 8,799 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1029 of 1,803 ranked by population — larger than 42% of them. The median age here is 40.8 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 95327 earn a median of $60,506 a year, 23% below the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 13.3% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 95327 is valued at $366,700, 20.9% above the national figure, while median gross rent runs $1,136 a month, 19.2% below the national figure, or roughly $13,632 across a full year. A household on the local median income would put about 22.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 6.1×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 65.2% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Home values sit at 6.1× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 95327 is tabulated inside Tuolumne County, California, one of 14 ZIP areas the Census publishes for that county and 1,803 across California. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 95327 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 95327 reports a median household income of $60,506, 16% below the $72,273 county median, and 33% below the $89,916 typical CA ZIP. Owner-occupied homes are valued at a median of $366,700, 7% below the county figure and 42% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,136 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

California charges 7.25% statewide, and local governments overlapping 95327 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 95327 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.