ZIP Code 95076: Population, Income, Housing

State: CA

Total population: 82,806 Household income: $91,099 Rent: $1,923

Overview

Total population

82,806

Rent

$1,923

Year built

1976

Household income

$91,099

Per capita income

$35,062

Poverty rate

13.8%

Unemployment rate

N/A

Household size

3.3 persons

Rent over 30% of income

54%

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

Village

Interlaken

Total population

82,806

Adults over 25

52,429

Total households

24,656

Household size

3.3 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).

Income & Poverty

Household income

$91,099

Per capita income

$35,062

Poverty rate

13.8%

Unemployment rate

N/A

Rent over 30% of income

54%

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).

Housing

Rent

$1,923

Year built

1976

Households that rent

43.3%

Households that own

56.7%

Rooms per home (all homes)

4.9

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).

Race

White

35%

Black

0.6%

Asian

2.3%

Two or more races

21.5%

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).

Ethnicity

Hispanic or Latino

73%

Not Hispanic or Latino

27%

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).

Commute

Commute rate

31,520 (91.5%)

Commute time to work

27 mins

Work from home

2,925 (8.5%)

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).

Education

Less than high school

43.2%

High school graduate or GED

24.7%

Some college or associate degree

13.6%

Bachelor’s degree or higher

18.5%

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).

Comparison of ZIP Code 95076 with: Santa Cruz County, CA California United States

ZIP 95076

Total population82,806

Rent$1,923

Year built1976

Household income$91,099

Per capita income$35,062

Poverty rate13.8%

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	ZIP95076	CountySanta Cruz, CA	StateCalifornia	CountryUnited States
Total population	82,806	264,926	39,287,377	334,922,499
Rent	$1,923	$2,264	$2,036	$1,413
Year built	1976	1974	1976	1980
Household income	$91,099	$111,093	$99,122	$80,734
Per capita income	$35,062	$56,941	$49,513	$44,673
Poverty rate	13.8%	11.6%	12%	12.5%
Unemployment rate	N/A	6.2%	5.3%	4%

View the full multi-level comparison →

Summary for 95076

Rent & Income

In 95076, the typical monthly rent is $1,923 and the typical household income is $91,099. Rent here is lower than California, and household income is lower than California. The estimated poverty rate is 13.8%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 43.3% of households. About 54% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Only about 18.5% of adults have a bachelor’s degree or higher, indicating lower levels of formal education.

ZIP 95076 — Rent vs Household Income

ZIP 95076 — Poverty

How ZIP 95076 compares in California (613 ZIP Codes)

Metric	This ZIP	Rank	Starts from	State range
Rent	$1,923	249 / 613	from lower rent	$1,054 – $3,501
Household income	$91,099	360 / 613	from higher income	$35,378 – $250,001
Poverty rate	13.8%	415 / 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 95076

Rent

In terms of rental prices, this ZIP stands 249th out of 613 ZIP Codes in California. Across California, figures vary from $1,054 in ZIP 92243 up to $3,501 in ZIP 90275.

Household income

When comparing household incomes, ZIP Code 95076 stands 360th out of 613 ZIP Codes. Throughout California, numbers span from $35,378 in ZIP 90007 up to $250,001 in ZIP 95070.

Poverty rate

Looking at poverty indicators, this ZIP stands 415th out of 613 ZIP Codes. At the state level, values extend from 2.2% in ZIP 95120 up to 39.6% in ZIP 90007.

💰 Rent in ZIP Code 95076 (with Utilities)

Estimated Monthly Rent: $1,923 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 95076

Annual Household Income: $91,099

💡 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 95076

Estimated Rate: 13.8%

💡 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 95076

In ZIP Code 95076, households that rent: 10,684 (43.3%)

📊 What does the renter household percentage reveal about this ZIP Code?

Household Type	Count	Share
Renter-Occupied	10,684	43.3%
Owner-Occupied	13,972	56.7%

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 95076

In ZIP Code 95076, cost-burdened renters (households spending over 30% of income on housing): 5,769 (54%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?

Household Group	Households	Share
Cost-burdened renters (over 30%)	5,769	54%
Other renter households	4,915	46%
Total renter households	10,684	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 95076

Less than High School: 22,651 people (43.2%)

Includes adults who did not complete high school.

High School Graduate or GED: 12,959 people (24.7%)

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

Some College or Associate Degree: 7,127 people (13.6%)

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

Bachelor’s Degree or Higher: 9,692 people (18.5%)

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

👥 Total Adults (25+): 52,429

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.