Santa Cruz County · California
ZIP code 95003
- Population
- 24,708
- Median income
- $140,990
- Median home
- $1,154,000
- Sales tax
- 7.25%
ZCTA residents
Household, past 12 months
Owner-occupied value
California state rate
Quick answer
ZIP 95003 sits in Santa Cruz County, California and is home to 24,708 people. Median household income is $140,990, the median home is worth $1,154,000 and median gross rent is $2,548. 72.2% of households own their home, and purchases are taxed at 7.25% (California state rate).
- County
- Santa Cruz County
- State
- California (CA)
- Area codes
- Not published
- Metro area
- Outside covered metros
FIPS 06087
1,803 ZIPs covered
No NANPA match for this ZIP
Rate jurisdiction used for tax
The numbers for 95003
American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.
- Population
- 24,708ZIP 95003 residents
- Median household income
- $140,990Past 12 months, inflation adjusted
- Median home value
- $1,154,000Owner-occupied units
- Median gross rent
- $2,548Rent plus utilities, monthly
- Median age
- 48.1 yrsAll residents
- Homeownership rate
- 72.2%Owner-occupied households
Sales tax in 95003
What a purchase inside this ZIP costs at checkout.
California levies 7.25% statewide, and counties, cities and special districts inside this ZIP can add their own local rate on top. Check the county page for the local component before you quote a price.
Affordability in this ZIP
Derived from the Census medians above — indicative, not an offer.
A rent burden above 30% is the federal threshold for cost-burdened households, and a price-to-income multiple above 4× is generally considered a stretched housing market. The mortgage figure is principal and interest only — taxes, insurance and HOA dues are extra.
How 95003 compares
ZIP 95003 against the median ZIP in Santa Cruz County and across California.
| Measure | ZIP 95003 | County median | State median | vs state |
|---|---|---|---|---|
| Median household income | $140,990 | $119,130 | $89,916 | +57% |
| Median home value | $1,154,000 | $993,100 | $628,900 | +83% |
| Median gross rent | $2,548 | $2,259 | $1,851 | +38% |
| Population | 24,708 | 8,697 | 15,085 | +64% |
Medians are computed across the 17 ZIP areas in Santa Cruz County and the 1803 ZIP areas in California.
Statewide rank
Where this ZIP places among all 1803 California ZIP areas.
- Income
- #223
- Home value
- #244
- Population
- #732
richer than 86% of 1,593 state ZIPs
above 85% of 1,597 state ZIPs
larger than 59% of 1,803 state ZIPs
Comparable ZIP codes
California ZIP areas with almost the same household income.
Nearby ZIP codes
Other ZIP codes filed under Santa Cruz County.
ZIP 95003 questions
Common questions about this ZIP code.
- Where is ZIP code 95003?
- ZIP 95003 lies mostly in Santa Cruz County, California. County assignment follows the largest share of land area, so a ZIP straddling a county line is filed under its dominant county.
- What sales tax do I pay in 95003?
- California charges 7.25% statewide, plus any county, city or district rate that applies locally.
- Is 95003 expensive to live in?
- Median rent runs $2,548 a month, about 22% of median household income, and the median home is worth $1,154,000 — +83% against the typical California ZIP.
- Is a ZCTA the same as a postal ZIP code?
- Not exactly. The Census builds ZIP Code Tabulation Areas from the ZIP codes of addresses inside each census block, so a ZCTA can differ slightly from the USPS delivery route of the same number, and PO-box-only ZIPs have no ZCTA at all.
Keep going
Related pages for this area.
Sources & transparency
- US Census Bureau, ACS 2019-2023 5-year estimates — 2019-2023 ACS 5-year — population, income, housing
- Census 2020 ZCTA-to-county relationship file — County assignment by largest land-area overlap
- California Department of Tax and Fee Administration — Sales tax rates and local add-ons
Last reviewed December 2024. Figures are published for reference and can change; verify with the source agency before filing or contracting. How we build and check this data.