ZIP Code 95060: Population, Income, Housing

State: CA
Total population: 46,268 Household income: $108,591 Rent: $2,454

Overview

Total population
46,268
Rent
$2,454
Year built
1970
Household income
$108,591
Per capita income
$61,720
Poverty rate
17.4%
Unemployment rate
N/A
Household size
2.4 persons
Rent over 30% of income
55.2%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State
California
County
Santa Cruz County
City
Bonny Doon
Total population
46,268
Adults over 25
30,823
Total households
18,415
Household size
2.4 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Income & Poverty

Household income
$108,591
Per capita income
$61,720
Poverty rate
17.4%
Unemployment rate
N/A
Rent over 30% of income
55.2%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Housing

Rent
$2,454
Year built
1970
Households that rent
48.5%
Households that own
51.5%
Rooms per home (all homes)
4.7

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Race

White
68.8%
Black
1.3%
Asian
6.1%
Two or more races
12.8%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Ethnicity

Hispanic or Latino
21.4%
Not Hispanic or Latino
78.6%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Commute

Commute rate
17,719 (74.2%)
Commute time to work
24 mins
Work from home
6,177 (25.8%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Education

Less than high school
25.7%
High school graduate or GED
11.3%
Some college or associate degree
8.3%
Bachelor’s degree or higher
54.7%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

 

Comparison of ZIP Code 95060 with: Santa Cruz County, CA California United States

ZIP 95060

Total population46,268
Rent$2,454
Year built1970
Household income$108,591
Per capita income$61,720
Poverty rate17.4%
Unemployment rateN/A

Santa Cruz County, CA

Total population264,926
Rent$2,264
Year built1974
Household income$111,093
Per capita income$56,941
Poverty rate11.6%
Unemployment rate6.2%

California State

Total population39,287,377
Rent$2,036
Year built1976
Household income$99,122
Per capita income$49,513
Poverty rate12%
Unemployment rate5.3%

United States

Total population334,922,499
Rent$1,413
Year built1980
Household income$80,734
Per capita income$44,673
Poverty rate12.5%
Unemployment rate4%
Metric ZIP95060 CountySanta Cruz, CAStateCaliforniaCountryUnited States
Total population46,268264,92639,287,377334,922,499
Rent$2,454$2,264$2,036$1,413
Year built1970197419761980
Household income$108,591$111,093$99,122$80,734
Per capita income$61,720$56,941$49,513$44,673
Poverty rate17.4%11.6%12%12.5%
Unemployment rateN/A6.2%5.3%4%

View the full multi-level comparison →

 

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Summary for 95060

Rent & Income

In 95060, the typical monthly rent is $2,454 and the typical household income is $108,591. Rent here is higher than California, and household income is higher than California. The estimated poverty rate is 17.4%.

Housing & Affordability

Renters make up about 48.5% of households, indicating a relatively balanced mix of renters and owners. About 55.2% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is very high, with about 54.7% of adults holding a bachelor’s degree or higher.

 

ZIP 95060 — Rent vs Household Income

 

 

ZIP 95060 — Poverty

 

 

How ZIP 95060 compares in California (613 ZIP Codes)

Metric This ZIP Rank Starts from State range
Rent $2,454 464 / 613 from lower rent $1,054 – $3,501
Household income $108,591 229 / 613 from higher income $35,378 – $250,001
Poverty rate 17.4% 498 / 613 from lower poverty 2.2% – 39.6%

Rankings are calculated among ZIP Codes in California with total population > 30,000 (year 2024).

 

Detailed Ranking Explanation for ZIP Code 95060

Rent

When it comes to rent, ZIP Code 95060 ranks 464th out of 613 ZIP Codes in California. Statewide, values range from $1,054 in ZIP 92243 up to $3,501 in ZIP 90275.

Household income

Income-wise, this area is placed 229th out of 613 ZIP Codes. Across California, figures vary from $35,378 in ZIP 90007 up to $250,001 in ZIP 95070.

Poverty rate

When it comes to poverty, ZIP Code 95060 places 498th out of 613 ZIP Codes. Throughout California, numbers span from 2.2% in ZIP 95120 up to 39.6% in ZIP 90007.

 

💰 Rent in ZIP Code 95060 (with Utilities)

Estimated Monthly Rent: $2,454 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 95060

Annual Household Income: $108,591

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 95060

Estimated Rate: 17.4%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 95060

In ZIP Code 95060, households that rent: 8,928 (48.5%)

📊 What does the renter household percentage reveal about this ZIP Code?
Household Type Count Share
Renter-Occupied 8,928 48.5%
Owner-Occupied 9,487 51.5%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 95060

In ZIP Code 95060, cost-burdened renters (households spending over 30% of income on housing): 4,931 (55.2%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?
Household Group Households Share
Cost-burdened renters (over 30%) 4,931 55.2%
Other renter households 3,997 44.8%
Total renter households 8,928 100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 95060

Less than High School: 7,914 people (25.7%)

Includes adults who did not complete high school.

High School Graduate or GED: 3,477 people (11.3%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 2,565 people (8.3%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 16,867 people (54.7%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 30,823

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

 

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.