ZIP Code 95019 — Freedom, California

The median home in 95019 is valued at $655,100 against a median household income of $65,294, a price-to-income ratio of 10.0. That is far 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, which means a household earning the local median income cannot finance the local median home on conventional terms. Within Santa Cruz County, 95019 ranks 14 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.2. Renting takes 24.6% of median household income (median rent $1,339 a month), under the 30% cost-burden threshold.

95019 ranks 1,161 of 1,558 statewide on median household income and 679 of 1,558 on median home value; its income is below the $109,778 Santa Cruz County median. 24% of households own their home, far below the 64% statewide ZIP median, so most residents rent. 10% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 7.6%, below the 10.8% statewide ZIP median. Unemployment stands at 11.2%.

With 5,355 residents per square mile across 1.1 square miles of land, 95019 is far denser than the statewide ZIP median of 1,120 (rank 420 of 1,558). This is predominantly single-family residential with suburban street patterns.