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 High-density area
- $121,042
- Median income Above-median income area
- $467,000
- Median home value Above-median home value
- 75.7%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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 average California ZIP), while per-capita income is $13,308. Unemployment is 15.4%, an important qualifier alongside the household-income figure. Home values sit below the statewide ZIP benchmark: the median is $467,000 (40% below the average California ZIP), and median rent is $1,586; owner occupancy is 34.7%.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Santa Cruz County, so 95064 can be compared with both its immediate and county-level context.
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
Who lives in ZIP 95064?
19.6
Median Age
44.1%
Male
55.9%
Female
14.0%
Foreign-Born
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 ZIP avg
$13,308
Per Capita Income
18.7%
Poverty Rate
15.4%
Unemployment Rate
22.7 min
Mean Commute Time
How ZIP 95064 ranks among California ZIPs
Santa Cruz, CA household income vs. every California ZIP code
Median household income among 1,583 reporting California ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$121,042 Top 26% higher than 74% of 1,583 California ZIPs
Each bar is a $20K-wide band; taller bars hold more California 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
536housing units
536
Total Housing Units
495
Occupied Units
41
Vacant Units
2.26
Avg Household Size
Occupancy Type
$467,000
Median Home Value
-40% vs state ZIP avg
$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.
- 95060
Santa Cruz (95060)
46,377 residents
- 95062
Santa Cruz (95062)
36,079 residents
- 95066 14,749
Scotts Valley (95066)
14,749 residents
- 95073 10,154
Soquel (95073)
10,154 residents
- 95010 9,137
Capitola (95010)
9,137 residents
- 95065 8,113
Santa Cruz (95065)
8,113 residents
- 95018 7,778
Felton (95018)
7,778 residents
- 95064 7,331
Santa Cruz (95064)
7,331 residents
- 95005 6,311
Ben Lomond (95005)
6,311 residents
What this shows Among its immediate neighbors, ZIP 95064 ranks #8 by population - useful context the national average alone can't give.
ZIP 95064 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95065
Santa Cruz (95065)
$153,222 median income
- 95066
Scotts Valley (95066)
$151,250 median income
- 95018
Felton (95018)
$129,464 median income
- 95064
Santa Cruz (95064)
$121,042 median income
- 95073
Soquel (95073)
$118,169 median income
- 95062
Santa Cruz (95062)
$112,106 median income
- 95060
Santa Cruz (95060)
$108,591 median income
- 95010
Capitola (95010)
$105,236 median income
- 95005
Ben Lomond (95005)
$104,375 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95064, both outside CA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (7,331 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Santa Cruz County
Related Areas
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.
Related
Take this with you
What to do with ZIP 95064's numbers, next.
- See how ZIP 95064 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Santa Cruz, CA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.