ZIP Code 95064 — Santa Cruz, California

The median home in 95064 is valued at $456,200 against a median household income of $114,271, a price-to-income ratio of 4.0. That is below the 6.7 median across the 1,558 California ZIP codes with published housing data, and past the 3.0 ratio that marks an attainable market nationally. Within Santa Cruz County, 95064 ranks 1 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.2. Renting takes 15.2% of median household income (median rent $1,449 a month), under the 30% cost-burden threshold.

95064 ranks 401 of 1,558 statewide on median household income and 1,015 of 1,558 on median home value; its income is in line with the $109,778 Santa Cruz County median. 33% of households own their home, below the 64% statewide ZIP median, so most residents rent. 68% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 25.5%, far above the 10.8% statewide ZIP median and among the highest in the state. Unemployment stands at 12.2%.

With 5,784 residents per square mile across 1.7 square miles of land, 95064 is far denser than the statewide ZIP median of 1,120 (rank 377 of 1,558). This is predominantly single-family residential with suburban street patterns.