Residential delivery area · California
ZIP Code 95005: Ben Lomond, CA
ZIP code 95005 is in Ben Lomond, California, entirely in Santa Cruz County (Census 2020 ZIP-county file). About 7,300 people live there (Census Bureau, ACS 2020-2024). Median household income is $104,375 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Ben Lomond (51%) and Brookdale (17%); 32% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Ben Lomond · its only residential ZIP
- County
- Santa Cruz County
- Census places
- Ben Lomond (51%) census-designated place; Brookdale (17%) census-designated place
- Metro area
- Santa Cruz-Watsonville, CA
- House district
- CA-19 119th Congress
- State
- California
- Time zone
- Pacific
- Land area
- 11.8 sq mi · 616 people per sq mi
Where is ZIP code 95005?
95005 centers on 37.098°, -122.089° and covers 11.8 square miles of land. It borders 4 ZIP codes: 95007, 95018, 95006, 95060.
The map draws ZIP code areas only. For the streets inside 95005, 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 95005 compare with the rest of Santa Cruz County?
| Measure | 95005 | In Santa Cruz County | In CA |
|---|---|---|---|
| People (ACS 2020-2024) | 7,277 | 12th of 17 | 1,068th of 1,802 |
| Median household income | $104k | not ranked | not ranked |
| Median home value | $967k | 8th of 12 | 378th of 1,317 |
95005's median household income is not ranked: its 90% margin of error (±$28,035) is more than a quarter of the figure ($104,375). Rankings use ZIP codes of 1,000 or more people living in households, with margins at most 25% of the figure.
It is denser than 74% of 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 95005?
The 2020 Census counted 6,551 people in 95005; the ACS, which samples households over 2020-2024, estimates 7,277. Between the 2010 and 2020 censuses its population grew 3.8% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 7,277±1,009 (90% margin)
- 2020 Census count
- 6,551+3.8% since 2010 (6,311)
- Households
- 2,878
- Median age
- 45.2
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 95005?
Of the 7,277 people the ACS estimates in 95005, 20.7% are under 18 and 20.6% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (80.6%), then Hispanic or Latino (12.6%).
- Under 1820.7%
- 18 to 6458.7%
- 65 and older20.6%
- White, not Hispanic80.6%
- Hispanic or Latino12.6%
- Other or two or more4.8%
- Asian, not Hispanic2.0%
- Black, not Hispanic0.0%
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 95005 earn?
Median household income is $104,375 (ACS 2020-2024). It is not measurably different from 2015-2019 ($116,861 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $104,375±$28,035
- Income per person
- $60,940
- Below the poverty line
- 7.0%
- Unemployed (of the labor force)
- 11.9%
- Adults 25+ with a bachelor's degree
- 46.8%
- Adjusted gross income per tax return, 2022
- $126,8422,980 returns; wages 66% 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 95005?
FHFA's house price index for 95005, built from repeat sales and appraisals of the same homes, rose 65% from 2015 to 2025 and rose 32% from 2020 to 2025, and moved +4.2% in 2025.
- Median home value (owners' estimate)
- $967,300
- Median gross rent
- $2,279
- Homes owned by their occupants
- 71.9%
- Housing units
- 3,046
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 95005?
107 business establishments had a location in this ZIP code in 2023, 2 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction27
- Professional, scientific, and technical services19
- Retail trade11
- Health care and social assistance10
- Accommodation and food services10
- Other services (except public administration)10
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 95005?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 95007 | Brookdale | 396 | $91k | 1.6 mi |
| 95018 | Felton | 6,594 | $130k | 1.9 mi |
| 95006 | Boulder Creek | 7,561 | $102k | 6.0 mi |
| 95060 | Santa Cruz | 46,268 | $109k | 7.3 mi |
| 95041 | Mount Hermon | 623 | $97k | 3.7 mi (near) |
| 95066 | Scotts Valley | 15,135 | $151k | 4.7 mi (near) |
| 95065 | Santa Cruz | 7,997 | $153k | 7.4 mi (near) |
| 95064 | Santa Cruz | 10,168 | $121k | 7.6 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.