ZIP Code 95065 — Live Oak CDP, CA Demographics & Data

ZIP code 95065 covers Live Oak, CA in Santa Cruz County with a population of about 8,031.

At a glance, the area shows median age of 43.1 versus a U.S. median of about 38.9.

It sits in telephone area code 831; U.S. House district CA-19; the MONTEREY - SALINAS media market.

Median household income in ZIP 95065 is about $142,768 — about 90% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.5%; unemployment rate near 4.5%; 49.6% of adults with a bachelor’s degree or higher (about 15.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Professional services, and Healthcare; about 20.5% of workers reporting work-from-home (about 5.3 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $1,192,200 — about 243% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,304 (about 98% above the U.S. median rent ($1,163)), and owner-occupancy near 69.9% (about 4.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95065 in Live Oak, CA, a household would need roughly $328,000 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 $7,658. That is about 130% above the local median household income ($142,768), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Live Oak CDP, CA as Relatively High (composite score 97.8), which is among the highest nationally. The strongest component scores on US5 are wildfire (97.3) and flood (96.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Live Oak CDP, CA show little to no average snow and around 30.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 395 for ZIP 95065 (Live Oak CDP, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.