95060 ZIP Code — Santa Cruz, CA

Santa Cruz County, California

ZIP code 95060 is located in Santa Cruz, California, within Santa Cruz County. It covers approximately 54.55 square miles and serves a population of 46,527 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 831.

About ZIP code 95060

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 $1,147,700. Owner-occupancy sits near the national average at 51%.

The gap between median ($101,962) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 18% 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 24 minutes is near the national average. Remote work is prevalent — 20% of workers work from home.

Educational attainment is high — 55% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 95060 reflects a community defined by a highly educated population, economic challenges above the national average, and a high rate of remote workers.

46,527

population

54.55

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95060 ZIP code map

Cities in ZIP code 95060

Below are the cities the US Postal Service accepts for ZIP code 95060. Using any city not on this list may result in mail delivery delays.

City	Status
Santa Cruz	Acceptable
Santa Cruz	Acceptable
Santa Cruz	Preferred

Nearby ZIP codes

95017 Davenport (3.4 mi) 95005 Ben Lomond (3.9 mi) 95018 Felton (5.4 mi) 95006 Boulder Creek (6.5 mi) 95064 Santa Cruz (6.8 mi) 95066 Scotts Valley (8.3 mi) 95065 Santa Cruz (10 mi) 95062 Santa Cruz (11.5 mi) 95033 Los Gatos (12 mi) 95073 Soquel (12 mi) 95010 Capitola (12.9 mi) 94060 Pescadero (13 mi)

Demographics updated 06/2026

Population
Total population	46,527
Population density	853 / sq mi
State FIPS	06
County FIPS	087

Geography
Land area	54.55 sq mi
Water area	0.06 sq mi
Latitude	37.0690
Longitude	-122.1569
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	35.5%	28.1%	32.6%
$50k – $100k	19.5%	25.8%	27.7%
$100k – $200k	26.4%	29.0%	26.4%
Over $200k	18.6%	17.1%	13.3%

Demographics & statistics

46,527

Population

853

People per sq mi

35.4

Median age

$101,962

Median household income

$57,380

Per capita income

$1,147,700

Median home value

$2,265

Median monthly rent

51.0%

Home ownership

18.2%

Poverty rate

6.0%

Unemployment

11,315

Housing units

55.0%

Bachelor's or higher

Age distribution

Male Female

884

Under 5

842

926

5–9

881

866

10–14

824

1,412

15–19

1,343

4,311

20–24

4,102

3,408

25–34

3,242

2,682

35–44

2,552

2,714

45–54

2,582

1,307

55–59

1,243

1,418

60–64

1,350

2,539

65–74

2,415

1,007

75–84

958

368

85+

351

← Male

Female →

Age summary

Group	Count	%
Under 18	6,449	13.9%
18 and over	40,078	86.1%
65 and over	7,638	16.4%
Median age	35.4 years

Race & ethnicity

White 63.2%

Hispanic or Latino 12.4%

Two or more races 9.6%

Other race 6.3%

Asian 6.2%

Black or African American 1.4%

American Indian / Alaska Native 0.7%

Native Hawaiian / Pacific Islander 0.2%

Group	Count	%
White	33,575	63.2%
Hispanic or Latino	6,586	12.4%
Two or more races	5,076	9.6%
Other race	3,345	6.3%
Asian	3,281	6.2%
Black or African American	768	1.4%
American Indian / Alaska Native	388	0.7%
Native Hawaiian / Pacific Islander	94	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	35.5%	28.1%	32.6%
$50k – $100k	19.5%	25.8%	27.7%
$100k – $200k	26.4%	29.0%	26.4%
Over $200k	18.6%	17.1%	13.3%

Under $10k 6.3%

$10k–$15k 4.1%

$15k–$25k 5.2%

$25k–$35k 6.9%

$35k–$50k 9.0%

$50k–$75k 8.5%

$75k–$100k 8.7%

$100k–$150k 15.2%

$150k–$200k 11.6%

$200k+ 24.6%

Range	% of households
Under $10k	6.3%
$10k–$15k	4.1%
$15k–$25k	5.2%
$25k–$35k	6.9%
$35k–$50k	9.0%
$50k–$75k	8.5%
$75k–$100k	8.7%
$100k–$150k	15.2%
$150k–$200k	11.6%
$200k+	24.6%
Median income	$101,962

Housing

Home values

Under $50k 1.8%

$50k–$100k 0.2%

$100k–$150k 1.1%

$150k–$200k 1.4%

$200k–$300k 1.8%

$300k–$500k 3.0%

$500k–$1M 24.7%

$1M+ 66.1%

Housing overview

Metric	Value
Median home value	$1,147,700
Median rent / month	$2,265
Owner occupied	51.0%
Renter occupied	49.0%
Vacant	9.4%
Single-family detached	59.5%
Large apartment buildings	10.0%
Mobile homes	1.9%
Median rooms	4.7
Avg household size (owned)	2.58

Year built

Era	%
2020 or later	0.2%
2010–2019	3.2%
2000–2009	9.5%
1990–1999	10.0%
1980–1989	9.6%
1970–1979	18.9%
1960–1969	10.5%
1950–1959	13.0%
1940–1949	7.8%
1939 or earlier	17.2%

Bedrooms

Size	% of units
No bedroom (studio)	9.8%
1 bedroom	18.6%
2 bedrooms	27.6%
3 bedrooms	29.0%
4 bedrooms	11.4%
5+ bedrooms	3.6%

Vehicles per household

Vehicles	% of households
No vehicle	7.9%
1 vehicle	32.6%
2 vehicles	32.2%
3 or more	27.3%

Heating fuel

Fuel type	%
Utility gas	59.2%
Electricity	24.7%
Propane / LP gas	8.2%
Wood	3.9%
Solar	0.9%
No fuel used	2.9%

Households & families

Household type	Count	%
Married-couple family	7,093	38.5%
Cohabiting couple	1,901	10.3%
Male householder, no spouse	3,830	20.8%
Female householder, no spouse	5,606	30.4%
Households with children under 18	3,930	21.3%
Households with seniors (65+)	5,612	30.5%
Average household size	2.44

Marital status

Status	Male	Female
Never married	52.8%	45.4%
Married	37.5%	36.8%
Separated	1.5%	0.9%
Widowed	1.3%	5.8%
Divorced	6.9%	11.1%

Education

Less than 9th grade 2.9%

Some HS, no diploma 2.7%

HS graduate 11.8%

Some college, no degree 21.2%

Associate's degree 6.4%

Bachelor's degree 27.6%

Graduate / professional 27.4%

Metric	%
HS diploma or higher	94.4%
Bachelor's or higher	55.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	438	3.1%
Kindergarten	289	2.1%
Elementary school	2,865	20.4%
High school	1,915	13.6%
College / grad school	8,531	60.8%

Employment

Industry of employment

Education & healthcare 28.5%

Professional & management 15.7%

Arts, food & hospitality 10.8%

Retail trade 10.4%

Manufacturing 8.4%

Construction 5.1%

Other services 4.2%

Information 4.1%

Transportation & utilities 4.0%

Finance & real estate 3.8%

Public administration 2.6%

Agriculture & mining 1.5%

Wholesale trade 0.8%

Occupation

Category	%
Management, business & arts	55.9%
Service	16.3%
Sales & office	16.0%
Natural resources & construction	4.8%
Production & transportation	7.0%

Employment type

Type	%
Private sector	74.4%
Government	17.0%
Self-employed	8.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	58.7%
Carpool	6.2%
Public transit	3.5%
Walk	5.6%
Work from home	20.4%
Other means	5.7%
Avg commute (minutes)	23.8

Poverty

All people 18.2%

Under 18 years 11.1%

18 and over 19.3%

Married-couple families 3.3%

Female-led households 10.4%

Income support

Source	% of households
Social Security	28.8%
Retirement income	22.4%
Supplemental Security	3.5%
Cash public assistance	3.3%
Food stamps / SNAP	10.7%

Health indicators

Condition	%
Obesity	25.6%
High blood pressure	23.4%
High cholesterol	26.3%
Diabetes	7.6%
Heart disease	4.7%
Stroke	2.2%
Asthma	10.1%
Arthritis	18.5%
Kidney disease	2.3%
Pulmonary disease	5.2%
Cancer	5.2%

Behavior / access	%
Smoking	10.8%
Binge drinking	20.4%
No physical activity	16.8%
Less than 7 hrs sleep	29.1%
Depression	18.7%
Fair or poor health	11.7%
Poor mental health	15.1%
Poor physical health	8.7%
No health insurance	9.3%
Visited doctor (checkup)	65.2%
Visited dentist	65.8%
Cholesterol screening	88.3%
Teeth loss	9.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,399	3.5%

Disability	%
Any disability	11.1%
Under 18	1.4%
18–64 years	8.8%
65 and over	29.2%

Health insurance coverage

Type	%
Private insurance	76.5%
Public insurance	31.9%
No insurance	3.8%
Uninsured under 19	1.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	44,801	96.3%
Spanish	2,272	5.1%
Other Indo-European	1,404	3.1%
Asian & Pacific Islander	237	0.5%
Other languages	623	1.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	40,555	87.2%
Born in same state	39,750	85.4%
Born in different state	28,670	61.6%
Foreign born	805	1.7%
Naturalized citizen	5,972	12.8%
Not a US citizen	2,808	47.0%

Ancestry

Ancestry	Count	%
French	5,816	12.5%
Italian	5,313	11.4%
Arab	1,200	2.6%
Polish	1,163	2.5%
English	873	1.9%

Ancestry	Count	%
Dutch	473	1%
German	318	0.7%
Irish	228	0.5%
Norwegian	102	0.2%

Technology access

Metric	% of households
Computer access	39.6%
Internet access	96.9%

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

Frequently asked questions about ZIP code 95060

What city is ZIP code 95060 in?

ZIP code 95060 is primarily assigned to Santa Cruz, California.

What county is ZIP code 95060 in?

ZIP code 95060 falls within Santa Cruz County, California.

How educated is the population of ZIP code 95060?

55% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the poverty rate in ZIP code 95060?

18% of residents in ZIP code 95060 live below the poverty line, above the national average.

What is the typical home value in ZIP code 95060?

The median home value in ZIP code 95060 is $1,147,700.

What is the population of ZIP code 95060?

ZIP code 95060 has an estimated population of 46,527 residents, with a density of 853 people per square mile.

What timezone is ZIP code 95060 in?

ZIP code 95060 observes the PST timezone.