ZIP Code 95065 — Santa Cruz, California

The median home in 95065 is valued at $1,088,700 against a median household income of $136,469, a price-to-income ratio of 8.0. 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, 95065 ranks 7 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.2. Renting takes 22.0% of median household income (median rent $2,504 a month), under the 30% cost-burden threshold.

95065 ranks 220 of 1,558 statewide on median household income and 258 of 1,558 on median home value; its income is above the $109,778 Santa Cruz County median. 68% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 46% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 8.0%, below the 10.8% statewide ZIP median. Unemployment stands at 3.9%.

With 745 residents per square mile across 10.9 square miles of land, 95065 is less dense than the statewide ZIP median of 1,120 (rank 847 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.