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Santa Cruz city, CA

ZIP 95064 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95064

Median Home Value
$437,500
Median Rent
$1,549
Affordability Snapshot
$120,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,810/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

23.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 95064 in Santa Cruz city, CA, a household would need roughly $120,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,810. That is roughly in line with the local median household income ($119,787). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
35.1%-46% vs US avg
x
Vacancy Rate
9.7%-6% vs US avg
x
Broadband Access
72.1%-17% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
33.0%-34% vs US avg
x
Mortgage-Free
34.5%-10% vs US avg
x
$437,500
Home Value
$1,549
Rent
1981
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached12.8%
  • 1-unit attached33.2%
  • 2-9 units22.1%
  • 10+ units17.9%
  • Mobile home & other14.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$437,500
Median rent$1,549
Owner-occupied35.1%
Vacant9.7%
Price-to-income3.7x
Est. income to buy$120,000