95064 ZIP Code — Santa Cruz, CA

Santa Cruz County, California

ZIP code 95064 is located in Santa Cruz, California, within Santa Cruz County. It covers approximately 1.70 square miles and serves a population of 9,832 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 831.

About ZIP code 95064

The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $456,200. Renters make up the majority at 67%, typical of denser urban areas.

Median household income is $114,271. Poverty affects 26% of residents, above the national average.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 19 minutes is near the national average.

Educational attainment is high — 68% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 95064 reflects a community defined by a highly educated population and economic challenges above the national average.

9,832

population

1.70

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95064 ZIP code map

Cities in ZIP code 95064

Below are the cities the US Postal Service accepts for ZIP code 95064. Using any city not on this list may result in mail delivery delays.

City	Status
Santa Cruz	Preferred

Nearby ZIP codes

95062 Santa Cruz (4.8 mi) 95065 Santa Cruz (5.3 mi) 95018 Felton (5.6 mi) 95066 Scotts Valley (6 mi) 95010 Capitola (6.5 mi) 95060 Santa Cruz (6.8 mi) 95073 Soquel (7.2 mi) 95005 Ben Lomond (7.2 mi) 95017 Davenport (9.1 mi) 95003 Aptos (10.5 mi) 95006 Boulder Creek (12.2 mi) 95033 Los Gatos (12.7 mi)

Demographics updated 05/2026

Population
Total population	9,832
Population density	5,784 / sq mi
State FIPS	06
County FIPS	087

Geography
Land area	1.70 sq mi
Water area	0.00 sq mi
Latitude	37.0007
Longitude	-122.0680
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	45.0%	28.1%	32.6%
$50k – $100k	5.8%	25.8%	27.7%
$100k – $200k	38.0%	29.0%	26.4%
Over $200k	11.2%	17.1%	13.3%

Demographics & statistics

9,832

Population

5,784

People per sq mi

19.7

Median age

$114,271

Median household income

$9,509

Per capita income

$456,200

Median home value

$1,449

Median monthly rent

32.8%

Home ownership

25.5%

Poverty rate

12.2%

Unemployment

214

Housing units

68.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

2,585

15–19

3,031

1,342

20–24

1,573

212

25–34

248

169

35–44

199

45–54

104

55–59

60–64

65–74

75–84

← Male

Female →

Age summary

Group	Count	%
Under 18	343	3.5%
18 and over	9,489	96.5%
65 and over	60	0.6%
Median age	19.7 years

Race & ethnicity

White 35.1%

Asian 22.7%

Two or more races 14.4%

Hispanic or Latino 14.2%

Other race 9.1%

Black or African American 3.8%

American Indian / Alaska Native 0.6%

Native Hawaiian / Pacific Islander 0.2%

Group	Count	%
White	4,019	35.1%
Asian	2,600	22.7%
Two or more races	1,646	14.4%
Hispanic or Latino	1,633	14.2%
Other race	1,045	9.1%
Black or African American	439	3.8%
American Indian / Alaska Native	65	0.6%
Native Hawaiian / Pacific Islander	18	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	45.0%	28.1%	32.6%
$50k – $100k	5.8%	25.8%	27.7%
$100k – $200k	38.0%	29.0%	26.4%
Over $200k	11.2%	17.1%	13.3%

Under $10k 15.7%

$10k–$15k 4.2%

$15k–$25k 2.2%

$25k–$35k 11.1%

$35k–$50k 7.6%

$50k–$75k 0.8%

$75k–$100k 3.4%

$100k–$150k 28.4%

$150k–$200k 13.3%

$200k+ 13.3%

Range	% of households
Under $10k	15.7%
$10k–$15k	4.2%
$15k–$25k	2.2%
$25k–$35k	11.1%
$35k–$50k	7.6%
$50k–$75k	0.8%
$75k–$100k	3.4%
$100k–$150k	28.4%
$150k–$200k	13.3%
$200k+	13.3%
Median income	$114,271

Housing

Home values

$200k–$300k 8.5%

$300k–$500k 63.0%

$500k–$1M 22.4%

$1M+ 6.1%

Housing overview

Metric	Value
Median home value	$456,200
Median rent / month	$1,449
Owner occupied	32.8%
Renter occupied	67.2%
Vacant	8.9%
Single-family detached	13.4%
Large apartment buildings	18.3%
Mobile homes	6.9%
Median rooms	4.3
Avg household size (owned)	2.16

Year built

Era	%
2020 or later	0.0%
2010–2019	10.5%
2000–2009	9.6%
1990–1999	2.4%
1980–1989	31.0%
1970–1979	12.9%
1960–1969	27.4%
1950–1959	2.2%
1940–1949	0.2%
1939 or earlier	4.0%

Bedrooms

Size	% of units
No bedroom (studio)	6.0%
1 bedroom	8.7%
2 bedrooms	52.7%
3 bedrooms	8.5%
4 bedrooms	23.4%
5+ bedrooms	0.7%

Vehicles per household

Vehicles	% of households
No vehicle	10.7%
1 vehicle	59.8%
2 vehicles	26.6%
3 or more	2.8%

Heating fuel

Fuel type	%
Utility gas	54.1%
Electricity	41.4%
Propane / LP gas	4.6%

Households & families

Household type	Count	%
Married-couple family	206	41.0%
Cohabiting couple	61	12.1%
Male householder, no spouse	46	9.1%
Female householder, no spouse	190	37.8%
Households with children under 18	111	22.1%
Households with seniors (65+)	36	7.2%
Average household size	2.19

Marital status

Status	Male	Female
Never married	91.6%	94.4%
Married	6.8%	3.4%
Separated	0.1%	0.1%
Widowed	0.0%	0.1%
Divorced	1.5%	2.2%

Education

Less than 9th grade 0.5%

Some HS, no diploma 0.4%

HS graduate 5.6%

Some college, no degree 12.4%

Associate's degree 12.7%

Bachelor's degree 33.2%

Graduate / professional 35.2%

Metric	%
HS diploma or higher	99.1%
Bachelor's or higher	68.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	6	0.1%
Kindergarten	35	0.4%
Elementary school	56	0.6%
High school	51	0.6%
College / grad school	9,016	98.4%

Employment

Industry of employment

Education & healthcare 44.4%

Arts, food & hospitality 26.2%

Retail trade 11.2%

Professional & management 7.5%

Manufacturing 2.2%

Transportation & utilities 1.8%

Other services 1.7%

Public administration 1.7%

Finance & real estate 1.5%

Construction 1.3%

Information 0.4%

Agriculture & mining 0.3%

Occupation

Category	%
Management, business & arts	38.2%
Service	31.3%
Sales & office	27.1%
Natural resources & construction	0.6%
Production & transportation	2.8%

Employment type

Type	%
Private sector	60.5%
Government	35.2%
Self-employed	4.2%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	20.9%
Carpool	4.9%
Public transit	9.7%
Walk	43.4%
Work from home	14.0%
Other means	7.1%
Avg commute (minutes)	18.5

Poverty

All people 25.5%

Under 18 years 26.3%

18 and over 25.3%

Married-couple families 9.2%

Female-led households 33.3%

Income support

Source	% of households
Social Security	5.8%
Retirement income	6.2%
Supplemental Security	5.4%
Cash public assistance	4.2%
Food stamps / SNAP	15.1%

Health indicators

Condition	%
Obesity	17.8%
High blood pressure	8.3%
High cholesterol	9.5%
Diabetes	1.8%
Heart disease	1.0%
Stroke	0.5%
Asthma	11.5%
Arthritis	4.4%
Kidney disease	0.9%
Pulmonary disease	2.0%
Cancer	0.8%

Behavior / access	%
Smoking	8.1%
Binge drinking	23.6%
No physical activity	15.7%
Less than 7 hrs sleep	29.5%
Depression	21.4%
Fair or poor health	8.2%
Poor mental health	21.3%
Poor physical health	5.4%
No health insurance	11.6%
Visited doctor (checkup)	59.3%
Visited dentist	61.3%
Cholesterol screening	74.1%
Teeth loss	11.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	34	0.4%

Disability	%
Any disability	7.9%
Under 18	3.8%
18–64 years	8.0%
65 and over	16.7%

Health insurance coverage

Type	%
Private insurance	89.6%
Public insurance	13.9%
No insurance	2.7%
Uninsured under 19	2.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	9,783	99.5%
Spanish	579	5.9%
Other Indo-European	159	1.6%
Asian & Pacific Islander	51	0.5%
Other languages	369	3.8%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,377	85.2%
Born in same state	8,181	83.2%
Born in different state	6,916	70.3%
Foreign born	196	2.0%
Naturalized citizen	1,455	14.8%
Not a US citizen	468	32.2%

Ancestry

Ancestry	Count	%
Italian	637	6.5%
French	460	4.7%
Arab	133	1.4%
Polish	98	1%

Ancestry	Count	%
Irish	59	0.6%
German	57	0.6%
Dutch	51	0.5%
English	13	0.1%

Technology access

Metric	% of households
Computer access	5.1%
Internet access	100.0%

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

Frequently asked questions about ZIP code 95064

What city is ZIP code 95064 in?

ZIP code 95064 is primarily assigned to Santa Cruz, California.

What county is ZIP code 95064 in?

ZIP code 95064 falls within Santa Cruz County, California.

How educated is the population of ZIP code 95064?

68% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 95064 mostly rentals?

67% of occupied units in ZIP code 95064 are renter-occupied.

What is the poverty rate in ZIP code 95064?

26% of residents in ZIP code 95064 live below the poverty line, above the national average.

What is the typical home value in ZIP code 95064?

The median home value in ZIP code 95064 is $456,200.

What timezone is ZIP code 95064 in?

ZIP code 95064 observes the PST timezone.