ZIP Code 95060 — Santa Cruz, California

The median home in 95060 is valued at $1,147,700 against a median household income of $101,962, a price-to-income ratio of 11.3. 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, 95060 ranks 16 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.2. Renting takes 26.7% of median household income (median rent $2,265 a month), under the 30% cost-burden threshold.

95060 ranks 555 of 1,558 statewide on median household income and 218 of 1,558 on median home value; its income is below the $109,778 Santa Cruz County median. 51% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 55% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 18.2%, far above the 10.8% statewide ZIP median. Unemployment stands at 6.0%.

With 854 residents per square mile across 54.5 square miles of land, 95060 is less dense than the statewide ZIP median of 1,120 (rank 823 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.