ZIP Code 95033 — Los Gatos, California

The median home in 95033 is valued at $1,312,600 against a median household income of $176,938, a price-to-income ratio of 7.4. 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, 95033 ranks 5 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.2. Renting takes 18.7% of median household income (median rent $2,761 a month), under the 30% cost-burden threshold.

95033 ranks 85 of 1,558 statewide on median household income and 163 of 1,558 on median home value; its income is far above the $109,778 Santa Cruz County median. 81% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 67% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 2.7%, far below the 10.8% statewide ZIP median and among the lowest in the state. Unemployment stands at 5.1%.

With 110 residents per square mile across 89.4 square miles of land, 95033 is far less dense than the statewide ZIP median of 1,120 (rank 1,123 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.