95005 ZIP Code — Ben Lomond, CA

Santa Cruz County, California

ZIP code 95005 is located in Ben Lomond, California, within Santa Cruz County. It covers approximately 11.81 square miles and serves a population of 7,552 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 831.

About ZIP code 95005

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 $889,800. Owner-occupancy sits near the national average at 66%.

The gap between median ($105,577) 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. 32% 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 32 minutes is near the national average.

Educational attainment is near the national average, with 43% of residents holding a bachelor's degree or higher.

7,552

population

11.81

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95005 ZIP code map

Cities in ZIP code 95005

Below are the cities the US Postal Service accepts for ZIP code 95005. Using any city not on this list may result in mail delivery delays.

City	Status
Ben Lomond	Preferred

Nearby ZIP codes

95018 Felton (2.5 mi) 95060 Santa Cruz (3.9 mi) 95006 Boulder Creek (5.3 mi) 95066 Scotts Valley (5.5 mi) 95064 Santa Cruz (7.2 mi) 95017 Davenport (7.2 mi) 95065 Santa Cruz (8 mi) 95033 Los Gatos (8.1 mi) 95073 Soquel (9.8 mi) 95030 Los Gatos (10.5 mi) 95070 Saratoga (10.8 mi) 95062 Santa Cruz (10.9 mi)

Demographics updated 06/2026

Population
Total population	7,552
Population density	639 / sq mi
State FIPS	06
County FIPS	087

Geography
Land area	11.81 sq mi
Water area	0.00 sq mi
Latitude	37.1018
Longitude	-122.0993
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	27.6%	28.1%	32.6%
$50k – $100k	26.8%	25.8%	27.7%
$100k – $200k	25.3%	29.0%	26.4%
Over $200k	20.2%	17.1%	13.3%

Demographics & statistics

7,552

Population

639

People per sq mi

43.2

Median age

$105,577

Median household income

$53,608

Per capita income

$889,800

Median home value

$2,225

Median monthly rent

65.5%

Home ownership

3.9%

Poverty rate

8.2%

Unemployment

1,955

Housing units

42.7%

Bachelor's or higher

Age distribution

Male Female

265

Under 5

254

121

5–9

115

274

10–14

262

259

15–19

248

299

20–24

286

424

25–34

404

371

35–44

354

524

45–54

500

221

55–59

211

384

60–64

366

552

65–74

528

157

75–84

149

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,678	22.2%
18 and over	5,874	77.8%
65 and over	1,410	18.7%
Median age	43.2 years

Race & ethnicity

White 84.7%

Hispanic or Latino 6%

Two or more races 4.3%

Other race 3.3%

Asian 1.3%

Black or African American 0.4%

Group	Count	%
White	6,803	84.7%
Hispanic or Latino	484	6%
Two or more races	348	4.3%
Other race	269	3.3%
Asian	101	1.3%
Black or African American	31	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	27.6%	28.1%	32.6%
$50k – $100k	26.8%	25.8%	27.7%
$100k – $200k	25.3%	29.0%	26.4%
Over $200k	20.2%	17.1%	13.3%

Under $10k 1.1%

$10k–$15k 1.5%

$15k–$25k 2.8%

$25k–$35k 2.6%

$35k–$50k 11.3%

$50k–$75k 15.0%

$75k–$100k 12.7%

$100k–$150k 19.1%

$150k–$200k 12.1%

$200k+ 21.8%

Range	% of households
Under $10k	1.1%
$10k–$15k	1.5%
$15k–$25k	2.8%
$25k–$35k	2.6%
$35k–$50k	11.3%
$50k–$75k	15.0%
$75k–$100k	12.7%
$100k–$150k	19.1%
$150k–$200k	12.1%
$200k+	21.8%
Median income	$105,577

Housing

Home values

$50k–$100k 2.5%

$200k–$300k 0.7%

$300k–$500k 2.5%

$500k–$1M 65.0%

$1M+ 29.5%

Housing overview

Metric	Value
Median home value	$889,800
Median rent / month	$2,225
Owner occupied	65.5%
Renter occupied	34.5%
Vacant	4.2%
Single-family detached	81.4%
Large apartment buildings	0.2%
Mobile homes	7.2%
Median rooms	5.4
Avg household size (owned)	2.76

Year built

Era	%
2020 or later	0.0%
2010–2019	0.3%
2000–2009	1.1%
1990–1999	3.2%
1980–1989	10.8%
1970–1979	28.5%
1960–1969	18.6%
1950–1959	9.2%
1940–1949	14.1%
1939 or earlier	14.2%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	12.4%
2 bedrooms	31.4%
3 bedrooms	38.1%
4 bedrooms	14.7%
5+ bedrooms	2.3%

Vehicles per household

Vehicles	% of households
No vehicle	0.4%
1 vehicle	22.5%
2 vehicles	43.7%
3 or more	33.4%

Heating fuel

Fuel type	%
Utility gas	68.0%
Electricity	11.1%
Propane / LP gas	10.8%
Wood	8.9%
Solar	0.4%

Households & families

Household type	Count	%
Married-couple family	1,357	48.5%
Cohabiting couple	272	9.7%
Male householder, no spouse	568	20.3%
Female householder, no spouse	601	21.5%
Households with children under 18	844	30.2%
Households with seniors (65+)	991	35.4%
Average household size	2.67

Marital status

Status	Male	Female
Never married	34.0%	29.6%
Married	48.1%	47.5%
Separated	0.3%	0.0%
Widowed	3.1%	5.8%
Divorced	14.5%	17.1%

Education

Less than 9th grade 0.6%

Some HS, no diploma 1.6%

HS graduate 12.8%

Some college, no degree 31.8%

Associate's degree 10.6%

Bachelor's degree 29.4%

Graduate / professional 13.2%

Metric	%
HS diploma or higher	97.9%
Bachelor's or higher	42.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	80	4.5%
Kindergarten	13	0.7%
Elementary school	676	38.4%
High school	510	29.0%
College / grad school	480	27.3%

Employment

Industry of employment

Education & healthcare 21.4%

Professional & management 19.4%

Arts, food & hospitality 14.8%

Construction 11.5%

Retail trade 8.6%

Manufacturing 7.1%

Finance & real estate 4.1%

Transportation & utilities 3.6%

Public administration 3.3%

Other services 3.2%

Information 1.6%

Wholesale trade 1.3%

Occupation

Category	%
Management, business & arts	53.6%
Service	13.2%
Sales & office	15.4%
Natural resources & construction	10.4%
Production & transportation	7.4%

Employment type

Type	%
Private sector	74.5%
Government	15.1%
Self-employed	9.8%
Unpaid family workers	0.6%

Commute

Method	%
Drive alone	68.4%
Carpool	10.2%
Public transit	2.1%
Walk	2.6%
Work from home	16.7%
Other means	0.0%
Avg commute (minutes)	31.6

Poverty

All people 3.9%

Under 18 years 0.0%

18 and over 5.0%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	31.9%
Retirement income	24.6%
Supplemental Security	2.5%
Cash public assistance	0.0%
Food stamps / SNAP	4.9%

Health indicators

Condition	%
Obesity	27.4%
High blood pressure	26.6%
High cholesterol	30.7%
Diabetes	8.3%
Heart disease	5.3%
Stroke	2.4%
Asthma	10.2%
Arthritis	22.3%
Kidney disease	2.5%
Pulmonary disease	5.9%
Cancer	6.3%

Behavior / access	%
Smoking	11.9%
Binge drinking	20.5%
No physical activity	15.9%
Less than 7 hrs sleep	29.7%
Depression	19.2%
Fair or poor health	11.5%
Poor mental health	14.3%
Poor physical health	9.4%
No health insurance	7.2%
Visited doctor (checkup)	66.8%
Visited dentist	69.3%
Cholesterol screening	92.3%
Teeth loss	8.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	491	8.4%

Disability	%
Any disability	9.5%
Under 18	5.0%
18–64 years	5.0%
65 and over	29.0%

Health insurance coverage

Type	%
Private insurance	78.1%
Public insurance	28.1%
No insurance	7.5%
Uninsured under 19	2.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	7,033	93.1%
Spanish	252	3.6%
Other Indo-European	54	0.8%
Asian & Pacific Islander	178	2.5%
Other languages	20	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,574	87.0%
Born in same state	6,442	85.3%
Born in different state	5,002	66.2%
Foreign born	132	1.7%
Naturalized citizen	978	13.0%
Not a US citizen	411	42.0%

Ancestry

Ancestry	Count	%
French	1,321	17.5%
Italian	1,025	13.6%
Polish	267	3.5%
Arab	212	2.8%
Dutch	210	2.8%

Ancestry	Count	%
English	87	1.2%
Norwegian	34	0.5%
Irish	14	0.2%
German	13	0.2%

Technology access

Metric	% of households
Computer access	37.0%
Internet access	97.7%

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

Frequently asked questions about ZIP code 95005

What city is ZIP code 95005 in?

ZIP code 95005 is primarily assigned to Ben Lomond, California.

What county is ZIP code 95005 in?

ZIP code 95005 falls within Santa Cruz County, California.

What is the typical home value in ZIP code 95005?

The median home value in ZIP code 95005 is $889,800.

What is the median household income in ZIP code 95005?

The median household income in ZIP code 95005 is $105,577, above the national median of ~$75,000.

What is the population of ZIP code 95005?

ZIP code 95005 has an estimated population of 7,552 residents, with a density of 639 people per square mile.

What timezone is ZIP code 95005 in?

ZIP code 95005 observes the PST timezone.