ZIP Code 95005 — Ben Lomond, California

The median home in 95005 is valued at $889,800 against a median household income of $105,577, a price-to-income ratio of 8.4. That is above the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within Santa Cruz County, 95005 ranks 10 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.2. Renting takes 25.3% of median household income (median rent $2,225 a month), under the 30% cost-burden threshold.

95005 ranks 509 of 1,558 statewide on median household income and 406 of 1,558 on median home value; its income is in line with the $109,778 Santa Cruz County median. 66% of households own their home, in line with the 64% statewide ZIP median, making this a majority-owner ZIP. 43% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 3.9%, far below the 10.8% statewide ZIP median and among the lowest in the state. Unemployment stands at 8.2%.

With 640 residents per square mile across 11.8 square miles of land, 95005 is less dense than the statewide ZIP median of 1,120 (rank 869 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.