ZIP Code 95073 — Soquel, California

The median home in 95073 is valued at $964,200 against a median household income of $112,068, a price-to-income ratio of 8.6. 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, 95073 ranks 11 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.2. Renting takes 23.2% of median household income (median rent $2,167 a month), under the 30% cost-burden threshold.

95073 ranks 421 of 1,558 statewide on median household income and 339 of 1,558 on median home value; its income is in line with the $109,778 Santa Cruz County median. 76% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 45% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 10.5%, in line with the 10.8% statewide ZIP median. Unemployment stands at 3.4%.

With 498 residents per square mile across 22.9 square miles of land, 95073 is far less dense than the statewide ZIP median of 1,120 (rank 905 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.