Zip code 95065: Santa Cruz, California

Q: What city is zip code 95065?

95065 is assigned to Santa Cruz, California. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 95065 in?

95065 is in Santa Cruz County, California.

Q: What is the population of 95065?

About 7,997 people live in 95065, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 95065?

The median household income in 95065 is $153,222.

Q: What zip codes are near 95065?

The closest zip codes to 95065 are 95067, 95066, 95073, 95063, 95062.

Residential delivery areaSanta Cruz CountyPacific Time

Population

7,997

Median household income

$153K

U.S. $81K

Median home value

$1.2M

U.S. $333K

Median rent

$2,746/mo

U.S. $1,413

Median age

43.6

U.S. 38.9

Land area

11 sq mi

731 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 95065

95065 is a suburban zip code in Santa Cruz, California (Santa Cruz County), covering 11 sq mi of land. About 7,997 people live here, or 731 per square mile. The median resident is 43.6 years old, compared with 38.9 nationally.

The median household earns $153,222 a year, 90% above the national median of $80,734. 8.6% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $1,228,500, or 8.0 years of median household income (U.S.: 4.1 years), which makes homes relatively expensive for local earners. 72% of occupied homes are lived in by their owners, and renters pay a median of $2,746 a month.

53% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 24.9 minutes each way, and 21% of workers work from home. The most common jobs among working residents are in management; construction and repair; and education. 20% of households speak a language other than English at home, most often Spanish.

How 95065 compares

Sorted from highest to lowest national percentile

Median home value$1,228,500
98th
U.S. $332,700 · CA $734,700228th of 1,586 in CA
Median gross rent$2,746
97th
U.S. $1,413 · CA $2,036214th of 1,464 in CA
Median household income$153,222
95th
StrengthU.S. $80,734 · CA $99,122182nd of 1,575 in CA
Per capita income$75,600
94th
StrengthU.S. $44,673 · CA $49,513253rd of 1,685 in CA
Broadband access96.3%
87th
StrengthU.S. 91% · CA 93.5%383rd of 1,662 in CA
Tech workers6.3%
87th
U.S. 3.8% · CA 4.4%266th of 1,678 in CA
Self-employed workers14%
87th
U.S. 10% · CA 11.4%582nd of 1,678 in CA
Median earnings per worker$68,514
86th
StrengthU.S. $49,666 · CA $52,643408th of 1,658 in CA
Residents 65 and older22.6%
85th
U.S. 17.2% · CA 15.7%449th of 1,688 in CA
Bachelor's degree or higher53%
83rd
StrengthU.S. 35.7% · CA 37.1%377th of 1,687 in CA
Median age43.6
80th
U.S. 38.9 · CA 37.9565th of 1,687 in CA
Work from home20.6%
79th
U.S. 15.1% · CA 17.2%568th of 1,680 in CA
Unemployment rate5.9%
67th
U.S. 5.2% · CA 6.6%905th of 1,681 in CA
Government workers15.9%
65th
U.S. 14.5% · CA 14.8%753rd of 1,678 in CA
Income inequality (Gini)0.451
63rd
U.S. 0.483 · CA 0.489692nd of 1,651 in CA
Homeownership rate71.7%
58th
U.S. 65.2% · CA 55.9%542nd of 1,662 in CA
Uninsured rate7.6%
56th
U.S. 8.4% · CA 6.6%521st of 1,675 in CA
Foreign-born residents11%
54th
U.S. 14.1% · CA 27%1,248th of 1,688 in CA
Diversity index48.7
50th
U.S. 61.4 · CA 69.71,049th of 1,688 in CA
Housing vacancy6.6%
49th
U.S. 10.1% · CA 7.5%848th of 1,664 in CA
Rent-burdened renters50.4%
49th
U.S. 51.1% · CA 55.3%1,041st of 1,610 in CA
Average commute24.9 min
42nd
U.S. 26.4 min · CA 28.7 min1,093rd of 1,584 in CA
Population density731/sq mi
38th
U.S. 95/sq mi · CA 252/sq mi903rd of 1,688 in CA
Poverty rate8.6%
36th
U.S. 12.5% · CA 12%1,062nd of 1,666 in CA
Veterans4.1%
27th
U.S. 6.2% · CA 4.3%891st of 1,686 in CA
Residents under 1819%
24th
U.S. 22% · CA 22%1,032nd of 1,688 in CA
Population7,997
13th
U.S. 334,922,499 · CA 39,287,3771,048th of 1,688 in CA
Healthcare workers6.7%
13th
U.S. 9.7% · CA 9.4%1,262nd of 1,678 in CA

Measure	95065	Santa Cruz	CA	U.S.	National percentile	Rank in CA
Median home value	$1,228,500	$1,027,500	$734,700	$332,700	98th	228th of 1,586
Median gross rent	$2,746	$2,264	$2,036	$1,413	97th	214th of 1,464
Median household incomeStrength	$153,222	$111,093	$99,122	$80,734	95th	182nd of 1,575
Per capita incomeStrength	$75,600	$56,941	$49,513	$44,673	94th	253rd of 1,685
Broadband accessStrength	96.3%	94.2%	93.5%	91%	87th	383rd of 1,662
Tech workers	6.3%	4%	4.4%	3.8%	87th	266th of 1,678
Self-employed workers	14%	13.4%	11.4%	10%	87th	582nd of 1,678
Median earnings per workerStrength	$68,514	$54,461	$52,643	$49,666	86th	408th of 1,658
Residents 65 and older	22.6%	19%	15.7%	17.2%	85th	449th of 1,688
Bachelor's degree or higherStrength	53%	43.9%	37.1%	35.7%	83rd	377th of 1,687
Median age	43.6	39.8	37.9	38.9	80th	565th of 1,687
Work from home	20.6%	19.3%	17.2%	15.1%	79th	568th of 1,680
Unemployment rate	5.9%	6.1%	6.6%	5.2%	67th	905th of 1,681
Government workers	15.9%	16.7%	14.8%	14.5%	65th	753rd of 1,678
Income inequality (Gini)	0.451	0.483	0.489	0.483	63rd	692nd of 1,651
Homeownership rate	71.7%	59.9%	55.9%	65.2%	58th	542nd of 1,662
Uninsured rate	7.6%	4.9%	6.6%	8.4%	56th	521st of 1,675
Foreign-born residents	11%	18%	27%	14.1%	54th	1,248th of 1,688
Diversity index	48.7	58.1	69.7	61.4	50th	1,049th of 1,688
Housing vacancy	6.6%	9.4%	7.5%	10.1%	49th	848th of 1,664
Rent-burdened renters	50.4%	51.7%	55.3%	51.1%	49th	1,041st of 1,610
Average commute	24.9 min	25.7 min	28.7 min	26.4 min	42nd	1,093rd of 1,584
Population density	731/sq mi	595/sq mi	252/sq mi	95/sq mi	38th	903rd of 1,688
Poverty rate	8.6%	11.6%	12%	12.5%	36th	1,062nd of 1,666
Veterans	4.1%	3.7%	4.3%	6.2%	27th	891st of 1,686
Residents under 18	19%	18.4%	22%	22%	24th	1,032nd of 1,688
Population	7,997	264,926	39,287,377	334,922,499	13th	1,048th of 1,688
Healthcare workers	6.7%	8.9%	9.4%	9.7%	13th	1,262nd of 1,678

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

15%

5–17

10%

18–24

12%

25–34

12%

35–44

13%

45–54

12%

55–64

14%

65–74

75+

Median age

43.6

Under 18

19%

65 and over

22.6%

Race and ethnicity

White68%
Black0.2%
Hispanic23%
Asian4%
Native American0.0%
Pacific Islander0%
Other2%
Multiracial3%

Diversity index

48.7

U.S. 61.4

Foreign-born

11%

U.S. 14.1%

Born in state

64.2%

Language spoken at home (households)

English only

80%

Spanish

14%

Other Indo-European

Asian / Pacific

Other

0.4%

Households

Households: 2,898
Average household size: 2.7
Family households: 66.4%
Married couples: 55.2%
Living alone: 21.5%
Veterans (of adults): 4.1%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

$25–50k

$50–75k

13%

$75–100k

$100–150k

15%

$150–200k

15%

$200k+

37%

Median household income

95065

$153,222

Santa Cruz Co.

$111,093

California

$99,122

United States

$80,734

Per capita income

$75,600

U.S. $44,673

Poverty rate

8.6%

U.S. 12.5%

Households earning $150K+

51.6%

U.S. 23%

Income inequality (Gini)

0.451

U.S. 0.483

Housing

Median home value

95065

$1,228,500

Santa Cruz Co.

$1,027,500

California

$734,700

United States

$332,700

Median gross rent

95065

$2,746

Santa Cruz Co.

$2,264

California

$2,036

United States

$1,413

Types of housing

Single-family

85%

2–4 units

5–19 units

20+ units

10%

Mobile home

0.3%

Boat, RV, van

Housing units: 3,102
Owner-occupied: 71.7%
Vacant: 6.6%
Median year built: 1977
Median rooms: 5.6
Renters paying 30%+ of income: 50.4%
Renters paying 50%+ of income: 26.1%
Home value to income: 8.0× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

67%

Carpooled

Transit

Walked

Bicycle

Worked from home

21%

Other

Commute time (one way)

<10 min

13%

10–19

45%

20–29

13%

30–44

45–59

60+

13%

Average commute

24.9 min

U.S. 26.4 min

Unemployment

5.9%

U.S. 5.2%

In labor force

60.9%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

18%

Construction and repair

11%

Education

Cleaning and personal care

Business and finance

Healthcare

Office and admin

Computer and math

Sales

Legal and social services

Engineering and science

Food service

Transportation and moving

Arts, media and sports

Production

Police and fire

Farming, fishing and forestry

Industries

Professional and technical services

14%

Education

13%

Health care and social assistance

10%

Construction

10%

Manufacturing

Other services

Retail

Restaurants and hotels

Finance, insurance and real estate

Public administration

Transportation, warehousing and utilities

Arts and recreation

Information

Wholesale

Admin, support and management

Agriculture and mining

Median earnings per worker

$68,514

U.S. $49,666

Self-employed

14%

U.S. 10%

Government workers

15.9%

U.S. 14.5%

Nonprofit workers

14.7%

U.S. 8.8%

Median earnings by type of work

Type of work	95065	U.S.
Management, business, science and arts	$117,407	$74,888
Service	$23,433	$26,804
Sales and office	$33,015	$40,476
Construction and maintenance	$39,586	$49,199
Production and transportation	$38,650	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

12%

Some college

20%

Associate's

10%

Bachelor's

29%

Graduate

24%

High school graduate or higher: 95%
Bachelor's degree or higher: 53%
Graduate or professional degree: 23.7%
Households with broadband: 96.3%
Cable, fiber or DSL: 87.2%
No internet access: 2.9%
Without health insurance: 7.6%
Limited-English households: 0.9%

Geography

City (USPS): Santa Cruz
State: California
County: Santa Cruz County
Center point: 37.0322° N, 121.9844° W
Land area: 11 sq mi
Water area: under 0.1 sq mi
Time zone: Pacific Time (UTC-8, UTC-7 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Live Oak (unincorporated)12% of zip
Santa Cruz12% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 95065

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
95067	Scotts Valley, CA · PO box	2.1 mi	—	—	—
95066	Scotts Valley, CA	2.9 mi	15,135	$151,250	$1,136,400
95073	Soquel, CA	3 mi	11,639	$118,169	$1,062,800
95063	Santa Cruz, CA · PO box	3.9 mi	—	—	—
95062	Santa Cruz, CA	4 mi	35,607	$112,106	$1,076,500
95010	Capitola, CA	4.2 mi	8,707	$105,236	$828,700
95041	Mount Hermon, CA	4.3 mi	623	$96,898	$929,900
95061	Santa Cruz, CA · PO box	4.8 mi	—	—	—
95064	Santa Cruz, CA	5 mi	10,168	$121,042	$467,000
95018	Felton, CA	5.5 mi	6,594	$129,464	$838,600
95001	Aptos, CA · PO box	6 mi	—	—	—
95003	Aptos, CA	6.1 mi	24,951	$148,412	$1,198,700

Zip codes like 95065 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 95065

What city is zip code 95065?

95065 is assigned to Santa Cruz, California. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 95065 in?

95065 is in Santa Cruz County, California.

What is the population of 95065?

About 7,997 people live in 95065, according to the Census Bureau's American Community Survey.

What time zone is 95065 in?

95065 is in Pacific Time.

What is the median household income in 95065?

The median household income in 95065 is $153,222.

What zip codes are near 95065?

The closest zip codes to 95065 are 95067, 95066, 95073, 95063, 95062.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 95065, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.