ZIP Code 95076 — Watsonville, California

The median home in 95076 is valued at $702,700 against a median household income of $86,062, a price-to-income ratio of 8.2. 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, 95076 ranks 9 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.2. Renting takes 25.2% of median household income (median rent $1,805 a month), under the 30% cost-burden threshold.

95076 ranks 795 of 1,558 statewide on median household income and 608 of 1,558 on median home value; its income is below the $109,778 Santa Cruz County median. 56% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 19% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 12.8%, above the 10.8% statewide ZIP median. Unemployment stands at 8.4%.

With 620 residents per square mile across 135.1 square miles of land, 95076 is less dense than the statewide ZIP median of 1,120 (rank 872 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.