95010 ZIP Code — Capitola, CA

Santa Cruz County, California

ZIP code 95010 is located in Capitola, California, within Santa Cruz County. It covers approximately 1.38 square miles and serves a population of 9,243 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 831.

About ZIP code 95010

The housing stock consists of a mix of housing types. Most homes were built in the 1970s, giving the area an established character. Median home value is $878,200. Owner-occupancy sits near the national average at 47%.

The gap between median ($91,771) and mean household income suggests income inequality — a small number of higher earners pull the average up. 39% 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 26 minutes is near the national average. Remote work is prevalent — 26% of workers work from home.

Educational attainment is high — 48% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 95010 reflects a community defined by a high rate of remote workers and a significant Social Security-dependent population.

9,243

population

1.38

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95010 ZIP code map

Cities in ZIP code 95010

Below are the cities the US Postal Service accepts for ZIP code 95010. Using any city not on this list may result in mail delivery delays.

City	Status
Capitola	Preferred

Nearby ZIP codes

95062 Santa Cruz (1.9 mi) 95073 Soquel (3.9 mi) 95065 Santa Cruz (4.3 mi) 95003 Aptos (4.7 mi) 95064 Santa Cruz (6.5 mi) 95066 Scotts Valley (7.3 mi) 95018 Felton (9.4 mi) 95019 Freedom (10.1 mi) 95005 Ben Lomond (11.8 mi) 95076 Watsonville (12.9 mi) 95060 Santa Cruz (12.9 mi) 95033 Los Gatos (13.5 mi)

Demographics updated 05/2026

Population
Total population	9,243
Population density	6,698 / sq mi
State FIPS	06
County FIPS	087

Geography
Land area	1.38 sq mi
Water area	0.08 sq mi
Latitude	36.9759
Longitude	-121.9539
Timezone	Pacific (PT)
Area code	831

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	28.0%	28.1%	32.6%
$50k – $100k	37.6%	25.8%	27.7%
$100k – $200k	27.2%	29.0%	26.4%
Over $200k	7.2%	17.1%	13.3%

Demographics & statistics

9,243

Population

6,698

People per sq mi

49.7

Median age

$91,771

Median household income

$62,899

Per capita income

$878,200

Median home value

$2,191

Median monthly rent

46.6%

Home ownership

13.5%

Poverty rate

2.0%

Unemployment

2,622

Housing units

47.9%

Bachelor's or higher

Age distribution

Male Female

140

Under 5

142

218

5–9

221

169

10–14

172

230

15–19

233

208

20–24

210

566

25–34

573

534

35–44

540

624

45–54

631

377

55–59

382

299

60–64

303

714

65–74

723

339

75–84

344

174

85+

177

← Male

Female →

Age summary

Group	Count	%
Under 18	1,325	14.3%
18 and over	7,918	85.7%
65 and over	2,471	26.7%
Median age	49.7 years

Race & ethnicity

White 64.8%

Hispanic or Latino 12.6%

Other race 8.6%

Two or more races 8.4%

Asian 5.1%

American Indian / Alaska Native 0.2%

Native Hawaiian / Pacific Islander 0.2%

Group	Count	%
White	6,858	64.8%
Hispanic or Latino	1,338	12.6%
Other race	908	8.6%
Two or more races	892	8.4%
Asian	544	5.1%
American Indian / Alaska Native	21	0.2%
Native Hawaiian / Pacific Islander	20	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	28.0%	28.1%	32.6%
$50k – $100k	37.6%	25.8%	27.7%
$100k – $200k	27.2%	29.0%	26.4%
Over $200k	7.2%	17.1%	13.3%

Under $10k 3.2%

$10k–$15k 1.3%

$15k–$25k 5.2%

$25k–$35k 4.8%

$35k–$50k 8.3%

$50k–$75k 14.8%

$75k–$100k 18.2%

$100k–$150k 18.1%

$150k–$200k 12.3%

$200k+ 13.8%

Range	% of households
Under $10k	3.2%
$10k–$15k	1.3%
$15k–$25k	5.2%
$25k–$35k	4.8%
$35k–$50k	8.3%
$50k–$75k	14.8%
$75k–$100k	18.2%
$100k–$150k	18.1%
$150k–$200k	12.3%
$200k+	13.8%
Median income	$91,771

Housing

Home values

$50k–$100k 0.9%

$100k–$150k 2.4%

$150k–$200k 2.7%

$200k–$300k 0.8%

$300k–$500k 8.5%

$500k–$1M 40.4%

$1M+ 44.4%

Housing overview

Metric	Value
Median home value	$878,200
Median rent / month	$2,191
Owner occupied	46.6%
Renter occupied	53.4%
Vacant	11.7%
Single-family detached	35.0%
Large apartment buildings	7.3%
Mobile homes	8.4%
Median rooms	4.4
Avg household size (owned)	1.98

Year built

Era	%
2020 or later	0.2%
2010–2019	3.7%
2000–2009	7.6%
1990–1999	11.0%
1980–1989	14.4%
1970–1979	20.8%
1960–1969	19.8%
1950–1959	8.9%
1940–1949	3.3%
1939 or earlier	10.1%

Bedrooms

Size	% of units
No bedroom (studio)	4.3%
1 bedroom	13.0%
2 bedrooms	52.4%
3 bedrooms	23.8%
4 bedrooms	5.3%
5+ bedrooms	1.2%

Vehicles per household

Vehicles	% of households
No vehicle	4.3%
1 vehicle	45.8%
2 vehicles	44.1%
3 or more	5.8%

Heating fuel

Fuel type	%
Utility gas	67.9%
Electricity	25.1%
Propane / LP gas	2.2%
Wood	0.6%
No fuel used	2.4%

Households & families

Household type	Count	%
Married-couple family	1,472	33.6%
Cohabiting couple	323	7.4%
Male householder, no spouse	917	20.9%
Female householder, no spouse	1,670	38.1%
Households with children under 18	723	16.5%
Households with seniors (65+)	1,860	42.4%
Average household size	2.07

Marital status

Status	Male	Female
Never married	43.0%	26.2%
Married	43.4%	36.1%
Separated	2.4%	1.5%
Widowed	1.1%	9.7%
Divorced	10.1%	26.4%

Education

Less than 9th grade 2.5%

Some HS, no diploma 3.1%

HS graduate 13.6%

Some college, no degree 19.8%

Associate's degree 13.1%

Bachelor's degree 31.0%

Graduate / professional 16.9%

Metric	%
HS diploma or higher	94.4%
Bachelor's or higher	47.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	130	6.4%
Kindergarten	43	2.1%
Elementary school	654	32.4%
High school	381	18.9%
College / grad school	811	40.2%

Employment

Industry of employment

Education & healthcare 28.3%

Professional & management 13.6%

Manufacturing 11.6%

Retail trade 9.7%

Arts, food & hospitality 9.6%

Finance & real estate 9.0%

Other services 4.6%

Construction 4.4%

Public administration 2.6%

Information 2.3%

Transportation & utilities 2.0%

Agriculture & mining 1.1%

Wholesale trade 1.1%

Occupation

Category	%
Management, business & arts	51.2%
Service	17.7%
Sales & office	21.5%
Natural resources & construction	5.2%
Production & transportation	4.4%

Employment type

Type	%
Private sector	70.6%
Government	19.0%
Self-employed	10.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	56.8%
Carpool	5.9%
Public transit	2.3%
Walk	6.4%
Work from home	25.5%
Other means	3.1%
Avg commute (minutes)	26.2

Poverty

All people 13.5%

Under 18 years 22.3%

18 and over 12.0%

Married-couple families 3.9%

Female-led households 15.7%

Income support

Source	% of households
Social Security	39.0%
Retirement income	25.3%
Supplemental Security	6.4%
Cash public assistance	3.2%
Food stamps / SNAP	8.3%

Health indicators

Condition	%
Obesity	27.4%
High blood pressure	28.2%
High cholesterol	31.1%
Diabetes	9.4%
Heart disease	6.2%
Stroke	2.9%
Asthma	10.3%
Arthritis	23.9%
Kidney disease	2.9%
Pulmonary disease	6.8%
Cancer	6.8%

Behavior / access	%
Smoking	12.3%
Binge drinking	18.7%
No physical activity	19.2%
Less than 7 hrs sleep	29.8%
Depression	19.1%
Fair or poor health	13.9%
Poor mental health	14.8%
Poor physical health	10.4%
No health insurance	9.8%
Visited doctor (checkup)	67.4%
Visited dentist	64.8%
Cholesterol screening	90.9%
Teeth loss	11.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	324	4.1%

Disability	%
Any disability	18.9%
Under 18	18.7%
18–64 years	13.7%
65 and over	31.1%

Health insurance coverage

Type	%
Private insurance	69.6%
Public insurance	42.8%
No insurance	3.2%
Uninsured under 19	3.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,961	96.9%
Spanish	411	4.6%
Other Indo-European	245	2.7%
Asian & Pacific Islander	23	0.3%
Other languages	130	1.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,187	88.6%
Born in same state	8,149	88.2%
Born in different state	5,934	64.2%
Foreign born	38	0.4%
Naturalized citizen	1,056	11.4%
Not a US citizen	520	49.2%

Ancestry

Ancestry	Count	%
Italian	1,183	12.8%
French	1,093	11.8%
Arab	301	3.3%
Polish	237	2.6%

Ancestry	Count	%
English	184	2%
Dutch	90	1%
Irish	40	0.4%
German	23	0.2%

Technology access

Metric	% of households
Computer access	47.4%
Internet access	96.9%

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

Frequently asked questions about ZIP code 95010

What city is ZIP code 95010 in?

ZIP code 95010 is primarily assigned to Capitola, California.

What county is ZIP code 95010 in?

ZIP code 95010 falls within Santa Cruz County, California.

Does ZIP code 95010 have an older population?

27% of residents in ZIP code 95010 are 65 or older, above the national average of ~17%.

How educated is the population of ZIP code 95010?

48% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 95010 have a large retiree population?

39% of households in ZIP code 95010 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 95010?

The median home value in ZIP code 95010 is $878,200.

What timezone is ZIP code 95010 in?

ZIP code 95010 observes the PST timezone.