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ZIP Code 95010

Santa Cruz, California

FIPS 95010

Juniper

ZIP Code 95010 is in the bottom 4% nationally for price-to-income ratio. It also sits in the 98th percentile nationally for median rent. And it sits in the 96th percentile nationally for median home value.

Median Home Value

$828,700

Higher than 96% of U.S. ZIP codes

HPI Growth 5yr %

21%

Near the U.S. ZIP codes median

FEMA Risk Score

82.2

Higher than 73% of U.S. ZIP codes

The basics

Total Population

8,707

Median Age

49.7

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$828,700

Higher than 96%

Median Property Tax

$5,920

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

7.87

Higher than 96%

Median Rent

$2,503

Higher than 98%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

21%

Near median

Appreciation 1yr %

-14%

Higher than 56%

Pandemic Gain %

27%

Recession Drop %

-24%

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

82.2

Higher than 73%

EAL Flood/Coastal per $1K

0.01

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 95010: frequently asked questions

What is the median home value in ZIP Code 95010?
The median home value in ZIP Code 95010 is $828,700, higher than 96% of U.S. ZIP codes.
How much is property tax in ZIP Code 95010?
The median annual property tax in ZIP Code 95010 is $5,920, an effective rate of 1% of home value.
Is ZIP Code 95010 expensive to live in?
Homes in ZIP Code 95010 cost about 7.87× the median household income, higher than 96% of U.S. ZIP codes.
What is the average rent in ZIP Code 95010?
The median gross rent in ZIP Code 95010 is $2,503 a month, higher than 98% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 95010?
Home prices in ZIP Code 95010 have moved 21% over the past five years (-14% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 95010?
ZIP Code 95010 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 95010 at risk of flooding or natural disasters?
ZIP Code 95010's FEMA National Risk Index score is 82.2 (higher than 73% of U.S. ZIP codes). Its greatest modeled natural hazard is earthquake. Expected annual loss from flooding is 0.01 per $1,000 of building value.

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