ZIP Code 95003 Demographics

Santa Cruz County, California  ·  ACS 2022 5-Year Estimates

ACS 2022 Data

Population & Income Overview

Key statistics for ZIP code 95003 compared to county averages.

Total Population

24,977

↓ 90.7% vs county

Median HH Income

$136,506

↑ +30.7% vs county

Median Home Value

$1,107,300

↑ +16.4% vs county

Median Age

48.2 yrs

↓ +23.0% vs county

Unemployment Rate

5.2%

↑ 12.5% vs county

Income & Housing Comparison

How ZIP 95003 compares to Santa Cruz County and California overall. Data from ACS 2022 5-year estimates.

Median Household Income ZIP 95003 $137k Santa Cruz $104k California $92k

Source: ACS 2022 5-Year Estimates, Table B19013

Median Home Value ZIP 95003 $1.1M Santa Cruz $951k California $659k

Source: ACS 2022 5-Year Estimates, Table B25077

Education & Employment

Bachelor's Rate

28.4%

of adults 25+ hold a bachelor's degree or higher

Owner Occupancy

74.4%

of occupied housing units are owner-occupied

Median Gross Rent

$2,364

per month including utilities

Rent vs. Buy Affordability

Compare estimated monthly costs of home ownership vs renting in ZIP Code 95003 using local Census metrics.

Median Home Value$1,107,300
Down Payment (20%)$221,460
Interest Rate6.5%
Loan Term

Estimated Monthly Costs

Buy (Mortgage, Tax, Ins.)
$7,029P&I: $5599 | Tax: $1107 | Ins: $323
Rent (Local Median)
$2,364
Renting is CheaperRenting is estimated to save you $4,665/month compared to buying costs.

How Does 95003 Compare?

Enter another ZIP code to see a side-by-side comparison.

Location & Neighboring Areas

Interactive map showing ZIP code 95003 (blue pin) and surrounding areas (purple pins). Click pins to view details.

Nearby ZIP Codes

ZIP codes geographically closest to 95003, sorted by distance.

95073 3.6 mi away santa cruz county 95010 4.8 mi away santa cruz county 95065 6.0 mi away santa cruz county 95062 6.7 mi away santa cruz county 95019 7.3 mi away santa cruz county 95076 8.7 mi away santa cruz county 95033 11.9 mi away santa cruz county 95120 12.0 mi away santa clara county

About Santa Cruz County

Santa Cruz County is located in California and has a total population of 268,571. The county's median household income is $104,409 and median home value is $951,300. ZIP code 95003 is one of many ZCTAs within this county.

View all ZIP codes in Santa Cruz County

Data source: American Community Survey (ACS) 2022 5-Year Estimates, U.S. Census Bureau. ZCTAs (ZIP Code Tabulation Areas) are used as proxies for USPS ZIP codes. Some USPS ZIP codes may not have a corresponding ZCTA.