95065 ZIP Code — Santa Cruz, CA

Santa Cruz County, California

ZIP code 95065 is located in Santa Cruz, California, within Santa Cruz County. It covers approximately 10.94 square miles and serves a population of 8,125 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 831.

About ZIP code 95065

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $1,088,700. Owner-occupancy sits near the national average at 68%.

The gap between median ($136,469) and mean household income suggests income inequality — a small number of higher earners pull the average up. 37% 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 25 minutes is near the national average.

Educational attainment is high — 46% of residents hold a bachelor's degree or higher, well above the national average of 33%.

8,125

population

10.94

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95065 ZIP code map

Cities in ZIP code 95065

Below are the cities the US Postal Service accepts for ZIP code 95065. Using any city not on this list may result in mail delivery delays.

City	Status
Santa Cruz	Preferred

Nearby ZIP codes

95073 Soquel (2.1 mi) 95066 Scotts Valley (3 mi) 95010 Capitola (4.3 mi) 95062 Santa Cruz (4.4 mi) 95064 Santa Cruz (5.3 mi) 95018 Felton (5.5 mi) 95003 Aptos (6 mi) 95005 Ben Lomond (8 mi) 95033 Los Gatos (9.4 mi) 95060 Santa Cruz (10 mi) 95032 Los Gatos (13 mi) 95019 Freedom (13.1 mi)

Demographics updated 05/2026

Population
Total population	8,125
Population density	743 / sq mi
State FIPS	06
County FIPS	087

Geography
Land area	10.94 sq mi
Water area	0.00 sq mi
Latitude	37.0346
Longitude	-121.9813
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	17.0%	28.1%	32.6%
$50k – $100k	24.8%	25.8%	27.7%
$100k – $200k	36.7%	29.0%	26.4%
Over $200k	21.5%	17.1%	13.3%

Demographics & statistics

8,125

Population

743

People per sq mi

42.0

Median age

$136,469

Median household income

$66,837

Per capita income

$1,088,700

Median home value

$2,504

Median monthly rent

68.3%

Home ownership

8.0%

Poverty rate

3.9%

Unemployment

2,075

Housing units

46.2%

Bachelor's or higher

Age distribution

Male Female

184

Under 5

200

180

5–9

195

249

10–14

269

182

15–19

198

358

20–24

387

503

25–34

545

486

35–44

526

504

45–54

546

271

55–59

294

205

60–64

221

478

65–74

517

194

75–84

209

108

85+

116

← Male

Female →

Age summary

Group	Count	%
Under 18	1,570	19.3%
18 and over	6,555	80.7%
65 and over	1,622	20.0%
Median age	42.0 years

Race & ethnicity

White 63.8%

Hispanic or Latino 15%

Other race 11.8%

Two or more races 6.2%

Asian 2.4%

Black or African American 0.7%

American Indian / Alaska Native 0.1%

Group	Count	%
White	6,092	63.8%
Hispanic or Latino	1,431	15%
Other race	1,130	11.8%
Two or more races	595	6.2%
Asian	233	2.4%
Black or African American	68	0.7%
American Indian / Alaska Native	7	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	17.0%	28.1%	32.6%
$50k – $100k	24.8%	25.8%	27.7%
$100k – $200k	36.7%	29.0%	26.4%
Over $200k	21.5%	17.1%	13.3%

Under $10k 1.0%

$10k–$15k 0.8%

$15k–$25k 3.3%

$25k–$35k 2.7%

$35k–$50k 7.4%

$50k–$75k 14.0%

$75k–$100k 9.6%

$100k–$150k 16.8%

$150k–$200k 15.4%

$200k+ 28.9%

Range	% of households
Under $10k	1.0%
$10k–$15k	0.8%
$15k–$25k	3.3%
$25k–$35k	2.7%
$35k–$50k	7.4%
$50k–$75k	14.0%
$75k–$100k	9.6%
$100k–$150k	16.8%
$150k–$200k	15.4%
$200k+	28.9%
Median income	$136,469

Housing

Home values

Under $50k 1.9%

$100k–$150k 1.1%

$150k–$200k 0.3%

$200k–$300k 0.5%

$300k–$500k 0.3%

$500k–$1M 35.6%

$1M+ 60.4%

Housing overview

Metric	Value
Median home value	$1,088,700
Median rent / month	$2,504
Owner occupied	68.3%
Renter occupied	31.7%
Vacant	3.9%
Single-family detached	78.5%
Large apartment buildings	8.1%
Mobile homes	0.5%
Median rooms	5.6
Avg household size (owned)	2.68

Year built

Era	%
2020 or later	0.0%
2010–2019	2.1%
2000–2009	4.1%
1990–1999	9.9%
1980–1989	24.9%
1970–1979	23.0%
1960–1969	19.3%
1950–1959	5.7%
1940–1949	4.7%
1939 or earlier	6.5%

Bedrooms

Size	% of units
No bedroom (studio)	2.5%
1 bedroom	11.1%
2 bedrooms	21.6%
3 bedrooms	48.0%
4 bedrooms	12.3%
5+ bedrooms	4.5%

Vehicles per household

Vehicles	% of households
No vehicle	8.4%
1 vehicle	17.5%
2 vehicles	35.6%
3 or more	38.5%

Heating fuel

Fuel type	%
Utility gas	55.7%
Electricity	20.5%
Propane / LP gas	12.7%
Fuel oil	1.1%
Wood	6.0%
Solar	0.7%
No fuel used	2.7%

Households & families

Household type	Count	%
Married-couple family	1,545	53.8%
Cohabiting couple	372	13.0%
Male householder, no spouse	313	10.9%
Female householder, no spouse	641	22.3%
Households with children under 18	791	27.6%
Households with seniors (65+)	1,151	40.1%
Average household size	2.75

Marital status

Status	Male	Female
Never married	39.5%	34.6%
Married	51.2%	45.9%
Separated	0.3%	0.8%
Widowed	0.7%	7.8%
Divorced	8.3%	10.9%

Education

Less than 9th grade 1.7%

Some HS, no diploma 2.4%

HS graduate 13.5%

Some college, no degree 24.7%

Associate's degree 11.4%

Bachelor's degree 27.4%

Graduate / professional 18.8%

Metric	%
HS diploma or higher	95.9%
Bachelor's or higher	46.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	57	3.1%
Kindergarten	48	2.6%
Elementary school	767	41.6%
High school	362	19.6%
College / grad school	610	33.1%

Employment

Industry of employment

Education & healthcare 25.4%

Professional & management 13.1%

Construction 12.3%

Arts, food & hospitality 8.7%

Manufacturing 8.6%

Retail trade 8.2%

Finance & real estate 6.4%

Other services 4.9%

Public administration 3.8%

Wholesale trade 2.8%

Transportation & utilities 2.8%

Information 2.3%

Agriculture & mining 0.7%

Occupation

Category	%
Management, business & arts	56.5%
Service	15.4%
Sales & office	13.8%
Natural resources & construction	11.6%
Production & transportation	2.7%

Employment type

Type	%
Private sector	77.6%
Government	12.1%
Self-employed	10.3%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	66.3%
Carpool	6.1%
Public transit	1.6%
Walk	1.8%
Work from home	18.7%
Other means	5.6%
Avg commute (minutes)	25.1

Poverty

All people 8.0%

Under 18 years 7.6%

18 and over 8.1%

Married-couple families 0.6%

Female-led households 8.1%

Income support

Source	% of households
Social Security	36.8%
Retirement income	30.1%
Supplemental Security	2.7%
Cash public assistance	1.3%
Food stamps / SNAP	3.2%

Health indicators

Condition	%
Obesity	25.3%
High blood pressure	26.5%
High cholesterol	31.0%
Diabetes	8.2%
Heart disease	5.5%
Stroke	2.4%
Asthma	9.5%
Arthritis	22.2%
Kidney disease	2.5%
Pulmonary disease	5.4%
Cancer	7.0%

Behavior / access	%
Smoking	9.8%
Binge drinking	19.1%
No physical activity	15.8%
Less than 7 hrs sleep	28.2%
Depression	17.6%
Fair or poor health	10.8%
Poor mental health	13.1%
Poor physical health	8.6%
No health insurance	8.3%
Visited doctor (checkup)	67.6%
Visited dentist	71.3%
Cholesterol screening	92.8%
Teeth loss	8.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	284	4.3%

Disability	%
Any disability	10.7%
Under 18	4.7%
18–64 years	6.5%
65 and over	29.0%

Health insurance coverage

Type	%
Private insurance	75.2%
Public insurance	32.1%
No insurance	8.6%
Uninsured under 19	7.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	7,741	95.3%
Spanish	434	5.6%
Other Indo-European	342	4.4%
Asian & Pacific Islander	54	0.7%
Other languages	32	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	7,268	89.5%
Born in same state	7,151	88.0%
Born in different state	5,199	64.0%
Foreign born	117	1.4%
Naturalized citizen	857	10.5%
Not a US citizen	431	50.3%

Ancestry

Ancestry	Count	%
French	1,282	15.8%
Italian	1,017	12.5%
Arab	180	2.2%
Polish	133	1.6%
English	125	1.5%

Ancestry	Count	%
Irish	84	1%
German	67	0.8%
Norwegian	43	0.5%
Dutch	27	0.3%

Technology access

Metric	% of households
Computer access	35.3%
Internet access	98.3%

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

Frequently asked questions about ZIP code 95065

What city is ZIP code 95065 in?

ZIP code 95065 is primarily assigned to Santa Cruz, California.

What county is ZIP code 95065 in?

ZIP code 95065 falls within Santa Cruz County, California.

How educated is the population of ZIP code 95065?

46% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 95065 have a large retiree population?

37% of households in ZIP code 95065 receive Social Security income, suggesting a significant retiree or disability population.

What is the median household income in ZIP code 95065?

The median household income in ZIP code 95065 is $136,469, above the national median of ~$75,000.

What is the typical home value in ZIP code 95065?

The median home value in ZIP code 95065 is $1,088,700.

What timezone is ZIP code 95065 in?

ZIP code 95065 observes the PST timezone.