ZIP Code 95064 — Santa Cruz city, CA Demographics & Data

ZIP code 95064 covers Santa Cruz, CA in Santa Cruz County with a population of about 9,883.

At a glance, the area shows median age of 19.6 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.

Santa Cruz, CA sits in a university / college context (near university of california-santa cruz (0.3 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 95064 is about $119,787 — about 59% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.8%; unemployment rate near 12.3%; 70.3% of adults with a bachelor’s degree or higher (about 36.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Food services, and Retail trade; about 15.2% of workers reporting work-from-home (roughly in line with 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 $437,500 — about 26% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,549 (about 33% above the U.S. median rent ($1,163)), and owner-occupancy near 35.1% (about 30.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95064 in Santa Cruz, 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.

FEMA’s National Risk Index rates natural-hazard risk for Santa Cruz city, 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 Santa Cruz city, CA show little to no average snow and around 30.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 486 for ZIP 95064 (Santa Cruz city, 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.