95003 ZIP Code — Aptos, CA

Santa Cruz County, California

ZIP code 95003 is located in Aptos, California, within Santa Cruz County. It covers approximately 32.43 square miles and serves a population of 24,977 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 831.

About ZIP code 95003

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $1,107,300. Owner-occupancy sits near the national average at 74%.

The gap between median ($136,506) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% is below the national average. 38% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 29 minutes is near the national average. Remote work is prevalent — 21% of workers work from home.

Educational attainment is high — 54% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 95003 reflects a community defined by a highly educated population, a high rate of remote workers, and a significant Social Security-dependent population.

24,977

population

32.43

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95003 ZIP code map

Cities in ZIP code 95003

Below are the cities the US Postal Service accepts for ZIP code 95003. Using any city not on this list may result in mail delivery delays.

City	Status
Aptos	Acceptable
Aptos	Preferred

Nearby ZIP codes

95073 Soquel (4 mi) 95010 Capitola (4.7 mi) 95065 Santa Cruz (6 mi) 95062 Santa Cruz (6.5 mi) 95019 Freedom (7.4 mi) 95066 Scotts Valley (8.4 mi) 95076 Watsonville (9.6 mi) 95064 Santa Cruz (10.5 mi) 95018 Felton (11.3 mi) 95033 Los Gatos (12.7 mi) 95120 San Jose (13.1 mi) 95039 Moss Landing (13.3 mi)

Demographics updated 06/2026

Population
Total population	24,977
Population density	770 / sq mi
State FIPS	06
County FIPS	087

Geography
Land area	32.43 sq mi
Water area	0.00 sq mi
Latitude	37.0068
Longitude	-121.8787
Timezone	Pacific (PT)
Area code	831

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	19.2%	28.1%	32.6%
$50k – $100k	23.7%	25.8%	27.7%
$100k – $200k	34.2%	29.0%	26.4%
Over $200k	22.9%	17.1%	13.3%

Demographics & statistics

24,977

Population

770

People per sq mi

48.2

Median age

$136,506

Median household income

$72,729

Per capita income

$1,107,300

Median home value

$2,364

Median monthly rent

74.4%

Home ownership

3.5%

Poverty rate

5.2%

Unemployment

9,155

Housing units

54.2%

Bachelor's or higher

Age distribution

Male Female

463

Under 5

514

661

5–9

736

585

10–14

650

757

15–19

842

748

20–24

831

1,073

25–34

1,194

1,161

35–44

1,291

1,497

45–54

1,665

1,059

55–59

1,178

1,038

60–64

1,155

1,689

65–74

1,879

755

75–84

839

339

85+

378

← Male

Female →

Age summary

Group	Count	%
Under 18	4,407	17.6%
18 and over	20,570	82.4%
65 and over	5,879	23.5%
Median age	48.2 years

Race & ethnicity

White 73%

Hispanic or Latino 9.2%

Two or more races 8.4%

Other race 5.5%

Asian 2.8%

Native Hawaiian / Pacific Islander 0.5%

Black or African American 0.3%

American Indian / Alaska Native 0.3%

Group	Count	%
White	20,084	73%
Hispanic or Latino	2,535	9.2%
Two or more races	2,303	8.4%
Other race	1,512	5.5%
Asian	784	2.8%
Native Hawaiian / Pacific Islander	137	0.5%
Black or African American	88	0.3%
American Indian / Alaska Native	69	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	19.2%	28.1%	32.6%
$50k – $100k	23.7%	25.8%	27.7%
$100k – $200k	34.2%	29.0%	26.4%
Over $200k	22.9%	17.1%	13.3%

Under $10k 2.4%

$10k–$15k 1.0%

$15k–$25k 3.2%

$25k–$35k 4.0%

$35k–$50k 6.1%

$50k–$75k 9.4%

$75k–$100k 10.6%

$100k–$150k 17.4%

$150k–$200k 15.8%

$200k+ 30.2%

Range	% of households
Under $10k	2.4%
$10k–$15k	1.0%
$15k–$25k	3.2%
$25k–$35k	4.0%
$35k–$50k	6.1%
$50k–$75k	9.4%
$75k–$100k	10.6%
$100k–$150k	17.4%
$150k–$200k	15.8%
$200k+	30.2%
Median income	$136,506

Housing

Home values

Under $50k 1.5%

$50k–$100k 0.4%

$100k–$150k 0.6%

$150k–$200k 1.2%

$200k–$300k 1.0%

$300k–$500k 4.9%

$500k–$1M 28.2%

$1M+ 62.3%

Housing overview

Metric	Value
Median home value	$1,107,300
Median rent / month	$2,364
Owner occupied	74.4%
Renter occupied	25.6%
Vacant	14.1%
Single-family detached	72.3%
Large apartment buildings	1.3%
Mobile homes	4.1%
Median rooms	5.5
Avg household size (owned)	2.44

Year built

Era	%
2020 or later	0.0%
2010–2019	3.1%
2000–2009	5.1%
1990–1999	7.9%
1980–1989	22.8%
1970–1979	26.2%
1960–1969	18.5%
1950–1959	8.5%
1940–1949	4.5%
1939 or earlier	3.5%

Bedrooms

Size	% of units
No bedroom (studio)	1.8%
1 bedroom	4.6%
2 bedrooms	28.5%
3 bedrooms	48.1%
4 bedrooms	14.9%
5+ bedrooms	2.1%

Vehicles per household

Vehicles	% of households
No vehicle	2.7%
1 vehicle	24.6%
2 vehicles	41.7%
3 or more	30.9%

Heating fuel

Fuel type	%
Utility gas	64.0%
Electricity	20.3%
Propane / LP gas	9.5%
Fuel oil	0.6%
Wood	3.2%
Solar	0.6%
No fuel used	1.4%

Households & families

Household type	Count	%
Married-couple family	5,537	54.9%
Cohabiting couple	435	4.3%
Male householder, no spouse	1,519	15.1%
Female householder, no spouse	2,591	25.7%
Households with children under 18	2,428	24.1%
Households with seniors (65+)	4,313	42.8%
Average household size	2.47

Marital status

Status	Male	Female
Never married	28.7%	27.4%
Married	60.1%	50.2%
Separated	1.1%	1.2%
Widowed	1.4%	7.6%
Divorced	8.7%	13.6%

Education

Less than 9th grade 1.5%

Some HS, no diploma 2.1%

HS graduate 10.2%

Some college, no degree 22.3%

Associate's degree 9.7%

Bachelor's degree 28.4%

Graduate / professional 25.8%

Metric	%
HS diploma or higher	96.4%
Bachelor's or higher	54.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	505	8.3%
Kindergarten	234	3.9%
Elementary school	2,066	34.0%
High school	1,089	17.9%
College / grad school	2,178	35.9%

Employment

Industry of employment

Education & healthcare 23.0%

Professional & management 16.1%

Retail trade 11.5%

Arts, food & hospitality 9.4%

Manufacturing 8.4%

Construction 6.9%

Finance & real estate 4.8%

Other services 4.3%

Public administration 3.9%

Wholesale trade 3.5%

Transportation & utilities 3.5%

Agriculture & mining 3.3%

Information 1.3%

Occupation

Category	%
Management, business & arts	55.9%
Service	11.7%
Sales & office	19.7%
Natural resources & construction	5.3%
Production & transportation	7.3%

Employment type

Type	%
Private sector	73.7%
Government	13.9%
Self-employed	11.7%
Unpaid family workers	0.7%

Commute

Method	%
Drive alone	67.9%
Carpool	7.4%
Public transit	0.7%
Walk	1.7%
Work from home	21.0%
Other means	1.4%
Avg commute (minutes)	29.4

Poverty

All people 3.5%

Under 18 years 2.5%

18 and over 3.7%

Married-couple families 1.5%

Female-led households 4.7%

Income support

Source	% of households
Social Security	37.8%
Retirement income	30.2%
Supplemental Security	3.5%
Cash public assistance	2.1%
Food stamps / SNAP	3.3%

Health indicators

Condition	%
Obesity	25.2%
High blood pressure	27.7%
High cholesterol	31.8%
Diabetes	8.5%
Heart disease	5.7%
Stroke	2.5%
Asthma	9.5%
Arthritis	23.3%
Kidney disease	2.6%
Pulmonary disease	5.5%
Cancer	7.4%

Behavior / access	%
Smoking	9.4%
Binge drinking	18.5%
No physical activity	15.2%
Less than 7 hrs sleep	27.7%
Depression	17.5%
Fair or poor health	10.5%
Poor mental health	12.6%
Poor physical health	8.6%
No health insurance	6.8%
Visited doctor (checkup)	68.8%
Visited dentist	72.5%
Cholesterol screening	93.6%
Teeth loss	7.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	967	4.7%

Disability	%
Any disability	12.1%
Under 18	3.1%
18–64 years	10.3%
65 and over	23.2%

Health insurance coverage

Type	%
Private insurance	82.5%
Public insurance	31.6%
No insurance	2.7%
Uninsured under 19	1.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	24,000	96.1%
Spanish	1,015	4.2%
Other Indo-European	686	2.9%
Asian & Pacific Islander	188	0.8%
Other languages	135	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	22,797	91.3%
Born in same state	22,552	90.3%
Born in different state	16,651	66.7%
Foreign born	245	1.0%
Naturalized citizen	2,180	8.7%
Not a US citizen	1,498	68.7%

Ancestry

Ancestry	Count	%
Italian	3,618	14.5%
French	3,546	14.2%
English	820	3.3%
Arab	694	2.8%
Polish	643	2.6%

Ancestry	Count	%
Dutch	468	1.9%
Norwegian	122	0.5%
German	115	0.5%
Irish	78	0.3%

Technology access

Metric	% of households
Computer access	40.4%
Internet access	97.1%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 95003

What city is ZIP code 95003 in?

ZIP code 95003 is primarily assigned to Aptos, California.

What county is ZIP code 95003 in?

ZIP code 95003 falls within Santa Cruz County, California.

How educated is the population of ZIP code 95003?

54% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 95003 have a large retiree population?

38% of households in ZIP code 95003 receive Social Security income, suggesting a significant retiree or disability population.

What is the median household income in ZIP code 95003?

The median household income in ZIP code 95003 is $136,506, above the national median of ~$75,000.

What is the typical home value in ZIP code 95003?

The median home value in ZIP code 95003 is $1,107,300.

What timezone is ZIP code 95003 in?

ZIP code 95003 observes the PST timezone.