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ZIP Code 95003

Santa Cruz, California

FIPS 95003

Juniper

ZIP Code 95003 is in the top 32% nationally for appreciation 1yr %, but in the bottom 3% nationally for price-to-income ratio. It also sits in the 99th percentile nationally for median home value. And it sits in the 99th percentile nationally for median rent.

Median Home Value

$1,198,700

Higher than 99% of U.S. ZIP codes

HPI Growth 5yr %

34%

Higher than 57% of U.S. ZIP codes

FEMA Risk Score

79.1

Higher than 69% of U.S. ZIP codes

The basics

Total Population

24,951

Median Age

48.4

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$1,198,700

Higher than 99%

Median Property Tax

$7,826

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

8.08

Higher than 97%

Median Rent

$2,731

Higher than 99%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

34%

Higher than 57%

Appreciation 1yr %

0.69%

Higher than 68%

Pandemic Gain %

34%

Recession Drop %

-30%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

74.7

Winter Avg Low (°F)

41.7

Avg Temperature (°F)

58.7

Hot Days/yr (>90°F)

5.8

Freezing Days/yr (<32°F)

5.7

Annual Precipitation (in)

30.1

Annual Snowfall (in)

0

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

79.1

Higher than 69%

EAL Flood/Coastal per $1K

0

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 95003: frequently asked questions

What is the median home value in ZIP Code 95003?
The median home value in ZIP Code 95003 is $1,198,700, higher than 99% of U.S. ZIP codes.
How much is property tax in ZIP Code 95003?
The median annual property tax in ZIP Code 95003 is $7,826, an effective rate of 1% of home value.
Is ZIP Code 95003 expensive to live in?
Homes in ZIP Code 95003 cost about 8.08× the median household income, higher than 97% of U.S. ZIP codes.
What is the average rent in ZIP Code 95003?
The median gross rent in ZIP Code 95003 is $2,731 a month, higher than 99% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 95003?
Home prices in ZIP Code 95003 have moved 34% over the past five years (0.69% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 95003?
ZIP Code 95003 averages 58.7°F year-round, summer highs near 74.7°F, winter lows around 41.7°F (NOAA 1991–2020 normals).
Is ZIP Code 95003 at risk of flooding or natural disasters?
ZIP Code 95003's FEMA National Risk Index score is 79.1 (higher than 69% of U.S. ZIP codes). Its greatest modeled natural hazard is earthquake. Modeled coastal-flood loss is negligible.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →