Residential delivery area · California
ZIP Code 95003: Aptos, CA
ZIP code 95003 uses the postal name Aptos, California and lies entirely in Santa Cruz County (Census 2020 ZIP-county file). About 25,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $148,412 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Day Valley (46%), Aptos (20%), Rio del Mar (9%), Aptos Hills-Larkin Valley (5%) and Seacliff (2%), and 3% in smaller places; 13% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Aptos · its only residential ZIP
- County
- Santa Cruz County
- Census places
- Day Valley (46%) census-designated place; Aptos (20%) census-designated place; Rio del Mar (9%) census-designated place; Aptos Hills-Larkin Valley (5%) census-designated place
- Metro area
- Santa Cruz-Watsonville, CA
- House district
- CA-19 119th Congress
- State
- California
- Time zone
- Pacific
- Land area
- 32.4 sq mi · 769 people per sq mi
- PO Box ZIPs
- 95001 also use the name Aptos
Where is ZIP code 95003?
95003 centers on 37.007°, -121.878° and covers 32.4 square miles of land plus 0.0 of water. It borders 4 ZIP codes: 95073, 95010, 95076, 95033.
The map draws ZIP code areas only. For the streets inside 95003, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 95003 compare with the rest of Santa Cruz County?
| Measure | 95003 | In Santa Cruz County | In CA |
|---|---|---|---|
| People (ACS 2020-2024) | 24,951 | 4th of 17 | 725th of 1,802 |
| Median household income | $148k | 4th of 12 | 164th of 1,189 |
| Median home value | $1.2M | 4th of 12 | 233rd of 1,317 |
Its median household income is higher than in 96% of U.S. residential ZIP codes, and it is denser than 76% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 95003?
The 2020 Census counted 24,706 people in 95003; the ACS, which samples households over 2020-2024, estimates 24,951. Between the 2010 and 2020 censuses its population grew 3.1% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 24,951
- 2020 Census count
- 24,706+3.1% since 2010 (23,974)
- Households
- 9,905
- Median age
- 48.4
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 95003?
Of the 24,951 people the ACS estimates in 95003, 16.9% are under 18 and 24.9% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (76.3%), then Hispanic or Latino (14.6%).
- Under 1816.9%
- 18 to 6458.2%
- 65 and older24.9%
- White, not Hispanic76.3%
- Hispanic or Latino14.6%
- Other or two or more5.7%
- Asian, not Hispanic3.1%
- Black, not Hispanic0.3%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 95003 earn?
Median household income is $148,412 (ACS 2020-2024), the 4th highest of the 12 ranked ZIP codes in Santa Cruz County. It rose from $127,585 in 2015-2019 (in 2024 dollars), a change larger than the surveys' margins of error.
- Median household income
- $148,412
- Income per person
- $76,751
- Below the poverty line
- 4.1%
- Unemployed (of the labor force)
- 6.1%
- Adults 25+ with a bachelor's degree
- 56.1%
- Adjusted gross income per tax return, 2022
- $157,03511,580 returns; wages 55% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 95003?
FHFA's house price index for 95003, built from repeat sales and appraisals of the same homes, rose 62% from 2015 to 2025 and rose 34% from 2020 to 2025, and moved +0.7% in 2025.
- Median home value (owners' estimate)
- $1,198,700
- Median gross rent
- $2,731
- Homes owned by their occupants
- 70.6%
- Housing units
- 11,843
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 95003?
660 business establishments had a location in this ZIP code in 2023, 23 more than in 2018; the most are in professional, scientific, and technical services (ZIP Code Business Patterns).
- Professional, scientific, and technical services116
- Construction106
- Health care and social assistance86
- Other services (except public administration)56
- Accommodation and food services55
- Retail trade48
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 95003?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 95073 | Soquel | 11,639 | $118k | 3.8 mi |
| 95010 | Capitola | 8,707 | $105k | 4.7 mi |
| 95076 | Watsonville | 82,806 | $91k | 7.9 mi |
| 95033 | Los Gatos | 9,600 | $189k | 11.7 mi |
| 95065 | Santa Cruz | 7,997 | $153k | 6.1 mi (near) |
| 95062 | Santa Cruz | 35,607 | $112k | 6.6 mi (near) |
| 95019 | Freedom | 5,933 | $68k | 7.1 mi (near) |
| 95066 | Scotts Valley | 15,135 | $151k | 8.6 mi (near) |
| 95064 | Santa Cruz | 10,168 | $121k | 10.0 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.
Which other ZIP codes use the name Aptos?
1 more ZIP code carries the postal name Aptos, CA without a residential delivery area: PO boxes at the post office, or a single organization with its own ZIP code. The Census Bureau publishes no figures for it.
| ZIP | County |
|---|---|
| 95001 | Santa Cruz County |
Source: GeoNames postal codes (CC BY 4.0), downloaded 2026-10-09; a ZIP code with no Census ZCTA has no residential delivery area.