City · 5,048 residents · Amador County, California
Jackson, California
In Jackson, a typical home is worth $442,700 and typical rent is $1,429 a month. Compared with all of Amador County, typical household income is 20% lower and the share of households that own their home is 20 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $426,378 to $430,627.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Jackson is in Amador County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Amador County. See the county
What this place has that others do not, from public data, most unusual first.
1
61% of households in Jackson own their home, against 80% in Amador County.
2
The typical household income in Jackson is $70,239,20% less than in Amador County as a whole ($88,044).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Jackson
What homes there are in Jackson, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Jackson
Amador County
California
United States
Kind of home: Jackson and its comparisons
Measure
Jackson
Amador County
California
United States
Detached house
60%
84%
57%
61%
Attached house
Unreliable estimate
2%
7%
6%
Building of 2 to 4
Unreliable estimate
3%
8%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
24%
19%
Mobile home
Unreliable estimate
6%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Jackson (60%), but less so than in Amador County (84%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Jackson
Amador County
California
United States
Year built: Jackson and its comparisons
Measure
Jackson
Amador County
California
United States
Before 1960
23%
14%
27%
26%
1960–1979
23%
28%
29%
24%
1980–1999
29%
33%
25%
25%
2000–2009
23%
17%
11%
14%
2010 or later
Unreliable estimate
8%
8%
11%
The typical year built in Jackson is 1982, about the same as in Amador County (1984).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K41%
$500K–$750K34%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Jackson and its comparisons
Measure
Jackson
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
41%
$500K–$750K
34%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49930%
$1,500–$1,99930%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Jackson and its comparisons
Measure
Jackson
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
30%
$1,500–$1,999
30%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$2,337 a month
Amador County: $2,472 a month
Without a mortgage
$764 a month
Amador County: $775 a month
Owners with a mortgage
40%
Amador County: 60%
In Jackson, 40% of owners have a mortgage, and their typical cost is $2,337 a month, against $2,472 in Amador County. Without one it drops to $764.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Jackson+70%
Amador County+43%
California+46%
United States+53%
Typical rent
Jackson+39%
Amador County+29%
California+36%
United States+33%
Typical household income
JacksonNo clear change
Amador County+40%
California+32%
United States+29%
Change since 2015–2019: Jackson and its comparisons
Measure
Jackson
Amador County
California
United States
Typical home value
+70%
+43%
+46%
+53%
Typical rent
+39%
+29%
+36%
+33%
Typical household income
No clear change
+40%
+32%
+29%
The typical home value in Jackson rose 70% since 2015–2019, more than in Amador County (43%).
Rents in Jackson rose faster than in Amador County: 39% since 2015–2019, against 29%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Jackson and its comparisons
Measure
Jackson
Amador County
California
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.6%
8.2%
3.4%
People per household
2.05
2.35
2.84
2.53
Drive alone
76%
74%
66%
69%
Carpool
13%
8%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
3%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
3%
3%
Work from home
Unreliable estimate
13%
17%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.05 on average, against 2.35 in Amador County.
More people carpool to work in Jackson than in Amador County: 13% against 8%.
Do the math
What would you pay each month for a home in Jackson?
A typical home costs more than the typical income allows
We start with a typical home in Jackson, worth $442,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 61% of the typical household income in Jackson, which is $70,239 a year. For that payment to be 28% of income, a household would need to earn about $151,826 a year.
The calculator's FHA and conventional loan limits are those of all of Amador County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Jackson. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $15,495 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,543
at 7.18% · 30 years
Loan amount
$434,681
Total interest
$625,404
Paid off in
November 2056
Includes $7,476 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,639 a month
Tight
$1,639 to $2,107 a month
Hard
more than $2,107 a month
Your payment · 61%
Compared with the typical household income in Jackson ($70,239 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,945
Property tax
$218
Home insurance
$185
FHA mortgage insurance (MIP)
$196
You need at least $15,495 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,543; principal and interest $2,945.
The city and its county
Jackson and Amador County
Jackson is in Amador County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Jackson
Map of Amador County, California, with Jackson marked. Around it, the neighboring counties.
Jackson
Amador County
Other cities with a page
Jackson's own numbers
Typical home value
$442,700
Typical monthly rent
$1,429
Typical yearly household income
$70,239
Households that own their home
61%
Effective property tax rate
0.59%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Amador County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,765
Price change over 5 years (FHFA)
+28%
Homes in a high flood-risk zone
2%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Amador County.
A typical home in Jackson is worth $442,700: about the same as the county and 40% below California. With the typical household income in Jackson ($70,239 a year), a typical home costs 6.3 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Jackson6.3 years
Amador5.1 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Amador County
According to FHFA’s house price index, home prices in Amador County rose 69% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Amador County.
Yearly change in FHFA’s price index in Amador County, 2016 to 2025
2016: +9.9% +9.9% 2016
2017: +8.2% +8.2% 2017
2018: +4.5% +4.5% 2018
2019: +5.2% +5.2% 2019
2020: +1.5% +1.5% 2020
2021: +13.5% +13.5% 2021
2022: +11.3% +11.3% 2022
2023: −1.5% −1.5% 2023
2024: +0.6% +0.6% 2024
2025: +2.0% +2.0% 2025
Change in FHFA’s price index in Amador County, California and the United States
Period
County
California
U.S.
Last year (2025)
+2.0%
+0.8%
+2.9%
5 years (2020–2025)
+28%
+40%
+47%
10 years (2015–2025)
+69%
+80%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Jackson next to Amador County, California and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Jackson$442,700
Amador$449,800
California$734,700
United States$332,700
Typical monthly rent
Jackson$1,429
Amador$1,421
California$2,036
United States$1,413
Typical yearly household income
Jackson$70,239
Amador$88,044
California$99,122
United States$80,734
See the full table
Jackson next to Amador County and California
Measure
Jackson
Amador County
California
U.S.
Typical home value
$442,700
$449,800
$734,700
$332,700
Typical monthly rent
$1,429
$1,421
$2,036
$1,413
Typical yearly household income
$70,239 ▼20% below the county
$88,044
$99,122
$80,734
Households that own their home
61% ▼20 points below the county
80%
56%
65%
Typical yearly property tax
$2,632 ▼17% below the county
$3,172
$5,124
$3,119
Effective property tax rate
0.59% ▼0.12 points below the county
0.71%
0.7%
0.94%
Renters with high rent for their income
59% ▲13 points above the county
46%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Amador County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Jackson
For a typical $442,700 home in Jackson, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jackson's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,543a month
Least cash to close
Down payment
$15,495
Cash to close
$28,776
Rate
7.18%
Mortgage insurance
FHA MIP · $196
Conventional, 5% down$3,461a month
Down payment
$22,135
Cash to close
$35,416
Rate
7.18%
Mortgage insurance
PMI · $210
Conventional, 20% down, no PMI$2,801a month
Down payment
$88,540
Cash to close
$101,821
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,211a month
Down payment
$66,405
Cash to close
$79,686
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Jackson
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,543
$15,495
$434,682
7.18%
FHA MIP · $196
$28,776
580
Conventional, 5% down
$3,461
$22,135
$420,565
7.18%
PMI · $210
$35,416
620*
Conventional, 20% down, no PMI
$2,801
$88,540
$354,160
7.18%
None
$101,821
620*
ITIN, 15% down (example)
$3,211
$66,405
$376,295
8.18%
None
$79,686
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Jackson is $1,429 a month: about the same as the county. In Jackson, 59% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Amador County, by unit size. To pay the 2-bedroom one ($1,765 a month) without spending more than 30% of your income, you would need to earn $33.94 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Amador County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,373
$26.40
$54,920
1 bedroom
$1,381
$26.56
$55,240
2 bedrooms
$1,765
$33.94
$70,600
3 bedrooms
$2,219
$42.67
$88,760
4 bedrooms
$2,568
$49.38
$102,720
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Jackson
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jackson is in ZIP code 95642.
For 2 bedrooms it is $1,900: $135 more than the fair market rent for Amador County ($1,765).
Fair market rent by ZIP code and size in Jackson, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
95642
$1,480
$1,490
$1,900
$2,390
$2,760
ZIP code2 bd3 bd
95642 $1,900$2,390
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Jackson when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 4 buildings with rents for lower incomes in Jackson. These are the largest.
Jackson Hills Apts300 New York Ranch Rd, Jackson 9564286 homes, 85 low-income · 1 bd: 62 · 2 bd: 24 · In service since 2011 · For older adults(209) 223-0128
Jackson Cornerstone1029 N Main St, Jackson 9564264 homes, 62 low-income · 1 bd: 32 · 2 bd: 28 · 3 bd: 4 · In service since 2004
Kennedy Meadows701 New York Ranch Rd, Jackson 9564256 homes, 55 low-income · 2 bd: 28 · 3 bd: 28 · In service since 2005 · For families
Meadows I401 Clinton Rd, Jackson 9564230 homes, 27 low-income · For families(209) 223-4341
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Amador County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Jackson or Amador County. The ones below are statewide in California: they work in Jackson the same as in the rest of the state.
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California.Offered by California Housing Finance Agency (CalHFA).
CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation.Offered by California Housing Finance Agency (CalHFA).
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional).Offered by California Housing Finance Agency (CalHFA).
No legal help resource on our list is for Jackson or Amador County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Jackson and all of Amador County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Jackson?
The typical home value in Jackson is $442,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Amador County it is $449,800.
How much does it cost to rent in Jackson?
Typical rent in Jackson is $1,429 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Amador County is $1,765.
What is the FHA loan limit in Jackson?
Jackson uses the FHA limit for all of Amador County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Jackson?
The typical homeowner in Jackson pays $2,632 a year, according to the U.S. Census Bureau. That is 0.59% of the home’s value; in Amador County, the rate is 0.71%.
Where can I find free help to buy or rent in Jackson?
We found no HUD-approved counseling agencies with an office in Amador County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
