ZIP 95064 vs ZIP 95041

This side-by-side compares ZIP 95064 (Santa Cruz, CA) and ZIP 95041 (Mount Hermon, CA) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 95064 has a population of 7,331 at 1,509 people per square mile, while ZIP 95041 has 160 at 1,526 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 95064 reports a median household income of $121,042 against $96,898 in ZIP 95041, with per-capita income of $13,308 vs $64,599. The share of adults holding a bachelor's degree or higher is 75.7% in 95064 and 69.5% in 95041. Poverty rate reads 18.7% vs 1.6%, and unemployment 15.4% vs 0.0% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $467,000 in 95064 versus $929,900 in 95041, with median rent of $1,586 and $1,378 per month respectively. Homeownership rate is 34.7% vs 52.4%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.