Twin Lakes (Santa Cruz Co.), CA population, income and ZIP codes

Twin Lakes CDP (Santa Cruz County) is a small town in California, with 4,895 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #670 of 1,618 ranked by population — larger than 58% of them. The median age here is 41.5 years against 39.1 nationally, a slightly older profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Twin Lakes CDP (Santa Cruz County) earn a median of $81,288 a year, 3.5% above the national figure of $78,538 and 11% below the $91,111 median for the 1,050 California cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 15.9% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Twin Lakes CDP (Santa Cruz County) is valued at $958,300, 215.9% above the national figure and 63% above the $589,600 peer median, while median gross rent runs $2,221 a month, 58% above the national figure, or roughly $26,652 across a full year. A household on the local median income would put about 32.8% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 11.8×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 40.8% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Home values sit at 11.8× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. Median income runs above the national figure while poverty also runs above it — a split distribution, not a uniformly comfortable place. Averages hide that; the two numbers together do not.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.