ZIP code 95033

ZIP 95033 is a mid-size town in Santa Cruz County, California, with 9,884 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1012 of 1,803 ranked by population — larger than 43% of them. The median age here is 46.1 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 95033 earn a median of $183,836 a year, 134.1% above the national figure of $78,538. 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 3.4% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 95033 is valued at $1,284,500, 323.4% above the national figure, while median gross rent runs $2,849 a month, 102.6% above the national figure, or roughly $34,188 across a full year. A household on the local median income would put about 18.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 7×, 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. 79.3% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. 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 7× 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.

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.

ZIP 95033 is tabulated inside Santa Cruz County, California, one of 17 ZIP areas the Census publishes for that county and 1,803 across California. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 95033 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 95033 reports a median household income of $183,836, 54% above the $119,130 county median, and 104% above the $89,916 typical CA ZIP. Owner-occupied homes are valued at a median of $1,284,500, 29% above the county figure and 104% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $2,849 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

California charges 7.25% statewide, and local governments overlapping 95033 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 95033 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.