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ZIP Code 95065

Santa Cruz, California

FIPS 95065

Juniper

ZIP Code 95065 is in the top 36% nationally for appreciation 1yr %, but in the bottom 4% 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

$1,228,500

Higher than 99% of U.S. ZIP codes

HPI Growth 5yr %

34%

Higher than 57% of U.S. ZIP codes

FEMA Risk Score

89.7

Higher than 84% of U.S. ZIP codes

The basics

Total Population

7,997

Median Age

43.6

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$1,228,500

Higher than 99%

Median Property Tax

$8,556

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

8.02

Higher than 96%

Median Rent

$2,746

Higher than 99%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

34%

Higher than 57%

Appreciation 1yr %

-0.83%

Higher than 64%

Pandemic Gain %

27%

Recession Drop %

-28%

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)

30.6

Annual Snowfall (in)

0

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

89.7

Higher than 84%

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 95065: frequently asked questions

What is the median home value in ZIP Code 95065?
The median home value in ZIP Code 95065 is $1,228,500, higher than 99% of U.S. ZIP codes.
How much is property tax in ZIP Code 95065?
The median annual property tax in ZIP Code 95065 is $8,556, an effective rate of 1% of home value.
Is ZIP Code 95065 expensive to live in?
Homes in ZIP Code 95065 cost about 8.02× the median household income, higher than 96% of U.S. ZIP codes.
What is the average rent in ZIP Code 95065?
The median gross rent in ZIP Code 95065 is $2,746 a month, higher than 99% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 95065?
Home prices in ZIP Code 95065 have moved 34% over the past five years (-0.83% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 95065?
ZIP Code 95065 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 95065 at risk of flooding or natural disasters?
ZIP Code 95065's FEMA National Risk Index score is 89.7 (higher than 84% 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 →