Comparison to Surrounding Areas
The median household income ($153,222) for 95065 is less than the median household income for 95033 ($189,118). But it's more than 95060 ($108,591), 95062 ($112,106), 95066 ($151,250), 95073 ($118,169), Santa Cruz County ($111,093), Live Oak CDP ($103,674), and Santa Cruz city ($115,475).
| 95065 | $153,222 |
| Live Oak CDP | $103,674 |
| Santa Cruz city | $115,475 |
| Santa Cruz County | $111,093 |
Get Median Household Income for all Zip Codes in California.
The average household income ($204,686) for 95065 is less than the average household income for 95033 ($269,605) and 95066 ($205,724). But it's more than 95060 ($161,073), 95062 ($147,985), 95073 ($161,315), Santa Cruz County ($156,439), Live Oak CDP ($146,941), and Santa Cruz city ($158,668).
| 95065 | $204,686 |
| Live Oak CDP | $146,941 |
| Santa Cruz city | $158,668 |
| Santa Cruz County | $156,439 |
Get Average Household Income for all Zip Codes in California.
The per-capita income for 95065 is $75,600. The per capita income ($75,600) for 95065 is less than the per capita income for 95033 ($104,535) and 95066 ($84,587). But it's more than 95060 ($61,720), 95062 ($64,226), 95073 ($61,802), Santa Cruz County ($56,941), Live Oak CDP ($58,372), and Santa Cruz city ($55,676).
| 95065 | $75,600 |
| Live Oak CDP | $58,372 |
| Santa Cruz city | $55,676 |
| Santa Cruz County | $56,941 |
Get Per-Capita Income for all Zip Codes in California.
36.8% of households make over $200,000 a year. The percent high income households (36.8%) for 95065 is less than the percent high income households for 95033 (46.3%) and 95066 (37.0%). But it's more than 95060 (27.5%), 95062 (24.5%), 95073 (24.2%), Santa Cruz County (25.0%), Live Oak CDP (24.0%), and Santa Cruz city (27.7%).
| 95065 | 36.8% |
| Live Oak CDP | 24.0% |
| Santa Cruz city | 27.7% |
| Santa Cruz County | 25.0% |
Get High Income Households for all Zip Codes in California.
| under 25 years | 25 to 44 years | 45 to 64 years | 65 years and over | |
|---|---|---|---|---|
| 95065 | $-1 | $213,182 | $195,741 | $100,250 |
| Live Oak CDP | $-1 | $114,327 | $145,063 | $75,476 |
| Santa Cruz city | $43,544 | $126,542 | $171,190 | $73,566 |
| Santa Cruz County | $47,991 | $122,632 | $137,890 | $85,666 |
Get Median Household Income by Age of Householder for all Zip Codes in California.
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All income statistics above are the most current, comparable income statistics available from the US Census Bureau and are from the American Community Survey 2024 5-year estimates. You can find this information and other demographics for 95065 on the US Census Bureau’s website. These values are in 2024 inflation-adjusted dollars and were downloaded on 29 January 2026.
Margins of error for the income data are:
| Median Household Income | Average Household Income | Per Capita Income | High Income Households | Median Household Income by Age of Householder | ||||
|---|---|---|---|---|---|---|---|---|
| under 25 | 25 to 44 | 45 to 64 | 65+ | |||||
| 95065 | +/-$15,827 | +/-$17,150 | +/-$9,335 | +/-5.0% | +/-$-1 | +/-$57,040 | +/-$13,602 | +/-$25,162 |
| Live Oak CDP | +/-$9,788 | +/-$11,357 | +/-$5,094 | +/-3.4% | +/-$-1 | +/-$23,099 | +/-$22,948 | +/-$12,213 |
| Santa Cruz city | +/-$6,419 | +/-$8,353 | +/-$2,761 | +/-2.6% | +/-$8,220 | +/-$15,437 | +/-$26,835 | +/-$9,317 |
| Santa Cruz County | +/-$2,734 | +/-$3,506 | +/-$1,210 | +/-1.0% | +/-$10,113 | +/-$6,351 | +/-$6,145 | +/-$5,780 |