U.S. ZIP Code · CA95010
Santa Cruz County · Santa Cruz-Watsonville, CA
Appreciation
- 1-year
- +1.6%
- 5-year / yr
- +4.1%
- 10-year / yr
- +5.2%
Relative price
- vs U.S.
- +340.7%
- vs metro
- +27.8%
- vs state
- +78.7%
Price history
Zillow Home Value Index — monthly, smoothed and seasonally adjusted.
The typical home in 95010 is worth $1,251,970 — 27.8% above the Santa Cruz-Watsonville, CA median. Over the past year, values have risen 1.6%. Homes here rent for a typical $3,319 a month — a 3.2% gross rental yield. The effective property tax rate is 0.7%.
#Rent & investment
Typical asking rent, and the returns it implies at the current home value.
#Property tax
Effective rate — total real estate taxes paid relative to total home value.
#Climate risk
FEMA National Risk Index ratings for Santa Cruz County. "Not Applicable" means the hazard does not threaten the county.
- Overall risk
- Relatively High[4]
- Riverine flood
- Relatively High
- Coastal flood
- Relatively Low
- Wildfire
- Relatively Moderate
- Drought
- Relatively High
- Heat wave
- Relatively Moderate
- Hurricane
- Not Applicable
- Tornado
- Very Low
- Earthquake
- Relatively High
- Winter weather
- Relatively Low
#Who lives here
#Migration
Household moves in and out of Santa Cruz County over a year, from IRS tax-return data.
- Net migration
- -1,243[5]
- Moved in
- 5,417
- Moved out
- 6,660
Schools
Open public schools in this ZIP, from the NCES Common Core of Data.
- Public schools
- 2
- Elementary
- 1
- Middle
- 1
- High
- 0
New Brighton Middle
Middle · Grades 6–8 · Soquel Union Elementary
611 students
Opal Cliffs
Elementary · Grades K–8 · Soquel Union Elementary
6 students
Run the numbers
Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.
Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.
Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.
Renting is meaningfully cheaper month-to-month.
This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.
#Metro ranking
Where this ZIP sits among others in its metro area.
Frequently asked
- How much is a home worth in ZIP code 95010?
- The typical home in 95010 is worth $1,251,970, based on the Zillow Home Value Index.
- Are home values rising in 95010?
- Home values in 95010 are up 1.6% over the past year, and up 4.1% a year over five years.
- What is the typical rent in 95010?
- A typical home in 95010 rents for about $3,319 a month, a gross rental yield of 3.2%.
- What is the property tax rate in 95010?
- The effective property tax rate in 95010 is 0.7% — roughly $8,216 a year on a typical home.
- Who lives in 95010?
- ZIP code 95010 has a population of 8,707 and a median household income of $105,236.
#Comparable ZIPs
Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.
Scotts Valley, CA
- Typical home
- $1,287,037
- Gross yield
- 3.6%
Santa Cruz, CA
- Typical home
- $1,329,040
- Gross yield
- 3.2%
Soquel CDP, CA
- Typical home
- $1,345,344
- Gross yield
- —
Day Valley CDP, CA
- Typical home
- $1,355,348
- Gross yield
- 3.9%
Live Oak CDP, CA
- Typical home
- $1,363,617
- Gross yield
- —
Bonny Doon CDP, CA
- Typical home
- $1,389,865
- Gross yield
- 3.1%
Want similar ZIPs from outside this metro? Browse nationally similar ZIPs →
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Pit ZIP 95010 against any other ZIP — full side-by-side table.
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