Capitola, FL population, income and ZIP codes

Capitola CDP is a very small community in Florida, with 306 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #887 of 955 ranked by population — larger than 7% of them. The median age here is 51.4 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. 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 Capitola CDP earn a median of $34,710 a year, 55.8% below the national figure of $78,538 and 49% below the $68,617 median for the 775 Florida cities we cover. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 8.5% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Capitola CDP is valued at $117,400, 61.3% below the national figure and 62% below the $305,300 peer median, while median gross rent runs $775 a month, 44.9% below the national figure, or roughly $9,300 across a full year. A household on the local median income would put about 26.8% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 3.4×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 87.7% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

A median age of 51.4 puts Capitola CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. With 306 residents, a handful of survey responses moves every median on this page. Compare Capitola CDP against its county rather than against national figures.

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.