ZIP Code 95064

ZIP code 95064 is classified by USPS as a standard delivery area and covers roughly 4.9 square miles in Santa Cruz, Santa Cruz County, California. The area is home to 7,331 residents, producing a population density of 1,509 people per square mile, and falls within the Los Angeles time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 95064 against California and the nation.

On the economic side, the median household income for ZIP 95064 sits at $121,042 (19% above the California average), while per-capita income is $13,308. The poverty rate stands at 18.7% and the unemployment rate at 15.4%. On housing, the median home value is $467,000 (40% below the state average) with median rent at $1,586 per month, and 34.7% of occupied units are owner-occupied, a direct signal of whether 95064 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 75.7% of adults hold a bachelor's degree or higher, the median age is 19.6, and the average commute is 23 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Santa Cruz County, so you can benchmark 95064 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →