PlainZIP

Santa Cruz, CA · standard

ZIP Code 95064

Santa Cruz County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

7,331
1,509/sq mi
$121,042
Median income
$467,000
Median home value
75.7%
Bachelor's or higher

The verdict

Santa Cruz pairs a top-decile household income with upper-quartile home values, in a low-density, renter-heavy area.

Top 9%
household income, US ZIPs
Top 15%
home value, US ZIPs
1,509
people per sq mi
35%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95064 against every reporting US ZIP.

ZIP code 95064 is a mid-sized community (a standard USPS delivery area) in Santa Cruz, Santa Cruz County, California, home to 7,331 residents across 4.9 square miles, a density of 1,509 people per square mile, in the Los Angeles time zone.

ZIP 95064 skews affluent, with a median household income of $121,042 (19% above the California average), while per-capita income is $13,308. Poverty here runs at 18.7%, with unemployment measured at 15.4%. Housing costs here run $467,000 for a typical home value (40% below the state average), with rent averaging $1,586 a month; 34.7% of homes are owner-occupied.

This is a highly-educated ZIP: 75.7% of adults hold a bachelor's degree or higher, the median age is 19.6, and the average commute is 23 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 95064, plus 6 more within Santa Cruz County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 95064, Santa Cruz, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

7,331

Population

4.9

Area (sq mi)

1,509

People / sq mi

Los Angeles

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 95064?

19.6

Median Age

44.1%

Male

55.9%

Female

14.0%

Foreign-Born

White 34.2%
African American 3.0%
Asian 29.3%
American Indian or Alaska Native 1.1%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 22.8%
Hispanic or Latino 30.9%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$121,042

Median Household Income

+19% vs state

$13,308

Per Capita Income

18.7%

Poverty Rate

15.4%

Unemployment Rate

22.7 min

Mean Commute Time

How ZIP 95064 ranks nationally

Santa Cruz, CA household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$121,042 Top 9% higher than 91% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 80.8%
Bachelor's Degree or Higher 75.7%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

536

Total Housing Units

495

Occupied Units

41

Vacant Units

2.26

Avg Household Size

Occupancy Type

Owner 34.7%
Renter 65.3%

$467,000

Median Home Value

-40% vs state

$1,586

Median Rent

1980

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What businesses operate in this ZIP?

Census Bureau data shows 14 business establishments in ZIP 95064, employing approximately 117 people with a combined annual payroll of $6,628,000.

14

Businesses

117

Employees

$6.6M

Annual Payroll

2

Industry Sectors

Industry Establishments % of Total
Accommodation and food services 4 28.6%
Educational services 3 21.4%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 95064 vs 95041 →

ZIP 95064 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 95064 ranks #8 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 95064 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 95064 ranks #4 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
95041 Mount Hermon, CA 160 4.1 mi
95018 Felton, CA 7,778 5.7 mi
95062 Santa Cruz, CA 36,079 4.0 mi
95060 Santa Cruz, CA 46,377 4.5 mi
95065 Santa Cruz, CA 8,113 5.0 mi
95010 Capitola, CA 9,137 5.8 mi
95066 Scotts Valley, CA 14,749 5.9 mi
95005 Ben Lomond, CA 6,311 7.6 mi
95007 Brookdale, CA 676 8.3 mi
95073 Soquel, CA 10,154 7.9 mi

More ZIP Codes in Santa Cruz County

95076 standard
Watsonville, CA
Pop: 82,474
95060 standard
Santa Cruz, CA
Pop: 46,377
95062 standard
Santa Cruz, CA
Pop: 36,079
95003 standard
Aptos, CA
Pop: 23,974
95066 standard
Scotts Valley, CA
Pop: 14,749
95073 standard
Soquel, CA
Pop: 10,154

Related Areas

Santa Cruz County Santa Cruz, CA California

Frequently Asked Questions

What county is ZIP code 95064 in? ▼
ZIP code 95064 (Santa Cruz) is located in Santa Cruz County, California. Santa Cruz County contains multiple ZIP codes, see the full list at /counties/santa-cruz-ca.
What is the population of ZIP code 95064? ▼
ZIP code 95064 in Santa Cruz, CA has a population of 7,331 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95064? ▼
The median household income in ZIP 95064 is $121,042, which is 59% above the national average of $76,288.
What is the average home value in ZIP 95064? ▼
The median home value in ZIP 95064 is $467,000, which is 68% above the national average of $278,155.
What is the demographic makeup of ZIP 95064? ▼
The largest racial group in ZIP 95064 is White at 34.2%. Hispanic or Latino residents make up 30.9% of the population.
How many businesses are in ZIP code 95064? ▼
ZIP code 95064 has 14 business establishments employing approximately 117 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 95064? ▼
In ZIP code 95064, 80.8% of residents aged 25+ have a high school diploma or higher, and 75.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 95064? ▼
The mean commute time for workers in ZIP code 95064 is 22.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 95064? ▼
In ZIP code 95064, approximately 34.7% of occupied housing units are owner-occupied and 65.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95064? ▼
The poverty rate in ZIP code 95064 is 18.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.