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ZIP Code 95076

Santa Cruz, California

FIPS 95076

Juniper

ZIP Code 95076 is in the top 31% nationally for appreciation 1yr %, but in the bottom 2% nationally for price-to-income ratio. It also sits in the 96th percentile nationally for median home value. And it sits in the 92th percentile nationally for median rent.

Median Home Value

$808,900

Higher than 96% of U.S. ZIP codes

HPI Growth 5yr %

40%

Higher than 62% of U.S. ZIP codes

FEMA Risk Score

93.2

Higher than 90% of U.S. ZIP codes

The basics

Total Population

82,806

Median Age

36.4

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$808,900

Higher than 96%

Median Property Tax

$5,091

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

8.88

Higher than 98%

Median Rent

$1,923

Higher than 92%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

40%

Higher than 62%

Appreciation 1yr %

0.9%

Higher than 69%

Pandemic Gain %

32%

Recession Drop %

-51%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

71.5

Winter Avg Low (°F)

40.3

Avg Temperature (°F)

57.6

Hot Days/yr (>90°F)

6.5

Freezing Days/yr (<32°F)

8.2

Annual Precipitation (in)

22.7

Annual Snowfall (in)

0

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

93.2

Higher than 90%

EAL Flood/Coastal per $1K

0.02

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 95076: frequently asked questions

What is the median home value in ZIP Code 95076?
The median home value in ZIP Code 95076 is $808,900, higher than 96% of U.S. ZIP codes.
How much is property tax in ZIP Code 95076?
The median annual property tax in ZIP Code 95076 is $5,091, an effective rate of 1% of home value.
Is ZIP Code 95076 expensive to live in?
Homes in ZIP Code 95076 cost about 8.88× the median household income, higher than 98% of U.S. ZIP codes.
What is the average rent in ZIP Code 95076?
The median gross rent in ZIP Code 95076 is $1,923 a month, higher than 92% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 95076?
Home prices in ZIP Code 95076 have moved 40% over the past five years (0.9% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 95076?
ZIP Code 95076 averages 57.6°F year-round, summer highs near 71.5°F, winter lows around 40.3°F (NOAA 1991–2020 normals).
Is ZIP Code 95076 at risk of flooding or natural disasters?
ZIP Code 95076's FEMA National Risk Index score is 93.2 (higher than 90% of U.S. ZIP codes). Its greatest modeled natural hazard is earthquake. Expected annual loss from flooding is 0.02 per $1,000 of building value.

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