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Capitola city, CA

ZIP 95010 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95010

Median Home Value
$781,900
Median Rent
$2,181
Affordability Snapshot
$215,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,023/mo PITI).

27%
Rent-to-Income Ratio

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

8.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

29.9 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 95010 in Capitola city, CA, a household would need roughly $215,000 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 $5,023. That is about 122% above the local median household income ($96,701), 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.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
46.5%-29% vs US avg
x
Vacancy Rate
12.2%+19% vs US avg
x
Broadband Access
94.6%+9% vs US avg
x
4+ Bedrooms
0.1%-99% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
21.9%-56% vs US avg
x
Mortgage-Free
47.7%+25% vs US avg
x
$781,900
Home Value
$2,181
Rent
1974
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached34.9%
  • 1-unit attached6.5%
  • 2-9 units36.1%
  • 10+ units13.4%
  • Mobile home & other9.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$781,900
Median rent$2,181
Owner-occupied46.5%
Vacant12.2%
Price-to-income8.1x
Est. income to buy$215,000