Residential delivery area · California
ZIP Code 95065: Santa Cruz, CA
ZIP code 95065 uses the postal name Santa Cruz, California and lies entirely in Santa Cruz County (Census 2020 ZIP-county file). About 8,000 people live there (Census Bureau, ACS 2020-2024), the least populous of Santa Cruz's 4 residential ZIP codes. Median household income is $153,222 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Live Oak (12%) and Santa Cruz (12%); 76% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Santa Cruz · 4 residential ZIPs
- County
- Santa Cruz County
- Census places
- Live Oak (12%) census-designated place; Santa Cruz (12%)
- Metro area
- Santa Cruz-Watsonville, CA
- House district
- CA-19 119th Congress
- State
- California
- Time zone
- Pacific
- Land area
- 10.9 sq mi · 731 people per sq mi
Where is ZIP code 95065?
95065 centers on 37.032°, -121.984° and covers 10.9 square miles of land. It borders 5 ZIP codes: 95066, 95073, 95062, 95060, 95033.
The map draws ZIP code areas only. For the streets inside 95065, 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 95065 compare with the rest of Santa Cruz?
| Measure | 95065 | In Santa Cruz | In Santa Cruz County | In CA |
|---|---|---|---|---|
| People (ACS 2020-2024) | 7,997 | 4th of 4 | 10th of 17 | 1,048th of 1,802 |
| Median household income | $153k | 1st of 3 | 2nd of 12 | 146th of 1,189 |
| Median home value | $1.23M | 1st of 3 | 2nd of 12 | 211th of 1,317 |
Its median household income is higher than in 97% of U.S. residential ZIP codes, and it is denser than 75% 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 95065?
The 2020 Census counted 8,444 people in 95065; the ACS, which samples households over 2020-2024, estimates 7,997. Between the 2010 and 2020 censuses its population grew 4.1% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 7,997±979 (90% margin)
- 2020 Census count
- 8,444+4.1% since 2010 (8,113)
- Households
- 2,898
- Median age
- 43.6
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 95065?
Of the 7,997 people the ACS estimates in 95065, 19.0% are under 18 and 22.6% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (67.7%), then Hispanic or Latino (22.8%).
- Under 1819.0%
- 18 to 6458.4%
- 65 and older22.6%
- White, not Hispanic67.7%
- Hispanic or Latino22.8%
- Other or two or more5.8%
- Asian, not Hispanic3.5%
- Black, not Hispanic0.2%
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 95065 earn?
Median household income is $153,222 (ACS 2020-2024), the 2nd highest of the 12 ranked ZIP codes in Santa Cruz County. It rose from $128,176 in 2015-2019 (in 2024 dollars), a change larger than the surveys' margins of error.
- Median household income
- $153,222±$15,827
- Income per person
- $75,600
- Below the poverty line
- 8.6%
- Unemployed (of the labor force)
- 5.9%
- Adults 25+ with a bachelor's degree
- 53.0%
- Adjusted gross income per tax return, 2022
- $147,2243,960 returns; wages 60% 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 95065?
FHFA's house price index for 95065, built from repeat sales and appraisals of the same homes, rose 67% from 2015 to 2025 and rose 34% from 2020 to 2025, and moved −0.8% in 2025.
- Median home value (owners' estimate)
- $1,228,500
- Median gross rent
- $2,746
- Homes owned by their occupants
- 71.7%
- Housing units
- 3,102
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 95065?
276 business establishments had a location in this ZIP code in 2023, 6 more than in 2018; the most are in health care and social assistance (ZIP Code Business Patterns).
- Health care and social assistance103
- Construction32
- Professional, scientific, and technical services32
- Retail trade20
- Other services (except public administration)20
- Administrative and support and waste management and remediation services12
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 95065?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 95066 | Scotts Valley | 15,135 | $151k | 2.9 mi |
| 95073 | Soquel | 11,639 | $118k | 3.0 mi |
| 95062 | Santa Cruz | 35,607 | $112k | 4.0 mi |
| 95060 | Santa Cruz | 46,268 | $109k | 6.8 mi |
| 95033 | Los Gatos | 9,600 | $189k | 8.7 mi |
| 95010 | Capitola | 8,707 | $105k | 4.2 mi (near) |
| 95041 | Mount Hermon | 623 | $97k | 4.3 mi (near) |
| 95064 | Santa Cruz | 10,168 | $121k | 5.0 mi (near) |
| 95018 | Felton | 6,594 | $130k | 5.5 mi (near) |
| 95003 | Aptos | 24,951 | $148k | 6.1 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.