The ZIP Code 95005 is associated with the city of Ben Lomond in California in Santa Cruz County. About 96.4% of residents in this California region have a high school degree or higher, while the per capita income is estimated at $44,504. The median household income is approximately $95,242, and an estimated 2% of the population is living below the poverty line. The median age in ZIP Code 95005 is approximately 41.2 years, and 19.9% of the region's residents are aged 62 years and older. The current population estimate is 7,661.
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The median household income in ZIP Code 95005 is $95,242, while the region's mean household income is $120,617. Breaking income down further, per capita income in the region is $44,504. The per capita income in ZIP Code 95005 of $44,504 is approximately 20.43% more than the per capita income in California overall of $36,955. An estimated 1.9% of the population is living below the poverty line in this region. This rate is approximately 80% lower than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 20.2% of the population in 95005 earn $200,000 or more per year, while an estimated 17.8% earn $100,000 to $149,999 per year, and 2.4% of 95005 residents earn less than $10,000 per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 2.4% |
| $10,000 to $14,999 per year | 5.2% |
| $15,000 to $24,999 per year | 4.1% |
| $25,000 to $34,999 per year | 6.9% |
| $35,000 to $49,999 per year | 8.9% |
| $50,000 to $74,999 per year | 12.5% |
| $75,000 to $99,999 per year | 12.7% |
| $100,000 to $149,999 per year | 17.8% |
| $150,000 to $199,999 per year | 9.5% |
| $200,000 or more per year | 20.2% |
In ZIP Code 95005, 96.4% of the population graduated high school, while 41.4% have a bachelor's degree or higher. In this region, 0.9% achieved an education level less than 9th grade, while 12.2% hold a graduate or professional degree. Approximately 14.4% in this Santa Cruz County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 0.9% |
| 9th to 12th grade, no diploma | 2.7% |
| High school graduate (includes equivalency) | 14.4% |
| Some college, no degree | 28.1% |
| Associate's degree | 12.5% |
| Bachelor's degree | 29.2% |
| Graduate or professional degree | 12.2% |
Looking at race in the population that makes up ZIP Code 95005, 95.9% is one race, while 4.1% are two or more races. Approximately 10.4% of 95005 residents are hispanic or Latino (of any race). The most common race in 95005 (race alone or in combination with one or more other races), is White (95.4%), followed by Black or African American (2.3%) .
| Industry | Percent |
|---|---|
| White | 95.4% |
| Black or African American | 2.3% |
| American Indian and Alaska Native | 1.6% |
| Asian | 2.2% |
| Native Hawaiian and Other Pacific Islander | 0.4% |
| Some other race | 2.3% |
Regarding the age of homes in ZIP Code 95005, an estimated 21.6% of homes were built between 1970 and 1979. Additionally, 20.3% of homes in the region were built in 1939 or earlier, while an estimated 0.0% of homes were built between 2010 and 2013 in this Santa Cruz County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 0.0% |
| Built between 2010 and 2013 | 0.0% |
| Built between 2000 and 2009 | 1.1% |
| Built between 1990 and 1999 | 5.1% |
| Built between 1980 and 1989 | 13.1% |
| Built between 1970 and 1979 | 21.6% |
| Built between 1960 and 1969 | 15.4% |
| Built between 1950 and 1959 | 13.4% |
| Built between 1940 and 1949 | 10.0% |
| Built in 1939 or earlier | 20.3% |
Residents of ZIP Code 95005 are older than average. The median age of 41.2 years in ZIP Code 95005 is approximately 8.14% higher than the overall median age in the U.S. of 38.1 years. About 81.3% of residents are aged 18 years and older, and 19.9% of residents are 62 years and over. Approximately 13.0% of the population in 95005 falls in the age group 45 to 54 years, while an estimated 12.4% are aged 35 to 44 years. On the low end of the scale, 0.4% of 95005 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 6.9% |
| 5 to 9 years | 3.2% |
| 10 to 14 years | 4.6% |
| 15 to 19 years | 5.3% |
| 20 to 24 years | 12.1% |
| 25 to 34 years | 10.4% |
| 35 to 44 years | 12.4% |
| 45 to 54 years | 13.0% |
| 55 to 59 years | 8.0% |
| 60 to 64 years | 8.6% |
| 65 to 74 years | 11.1% |
| 75 to 84 years | 4.2% |
| 85 years and over | 0.4% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 95005 is current access to health insurance, as an estimated 95.5% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 95005 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 95.5% |
| Risk Behavior | Percent of adults* |
|---|
In 95005, 69.6% of the population is in the labor force. Recent estimates place 11.5% as working from home, while the total labor force in the region has a mean travel to time to work of 35.3 minutes. Approximately 24.3% of the employed population 16 years and over in 95005 work in educational services, and health care and social assistance, while an estimated 17.2% work in arts, entertainment, and recreation, and accommodation and food services. On the lower end of the scale, just 1.0% of 95005 workers 16 years and over work in agriculture, forestry, fishing and hunting, and mining.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 1.0% |
| Construction | 8.1% |
| Manufacturing | 6.9% |
| Wholesale trade | 2.7% |
| Retail trade | 8.7% |
| Transportation and warehousing, and utilities | 2.7% |
| Information | 1.7% |
| Finance and insurance, and real estate and rental and leasing | 4.3% |
| Professional, scientific, management, and administrative | 15.8% |
| Educational services, and health care and social assistance | 24.3% |
| Arts, entertainment, and recreation, and accommodation and food services | 17.2% |
| Other services, except public administration | 3.5% |
| Public administration | 3.0% |
In ZIP Code 95005, 93.6% of the population lists "English only" as the language spoken in home, while 3.9% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 1.6% of homes, and other Indo-European languages are spoken in 1.0% of homes. Lastly, 0.0% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this Santa Cruz County region.
| Language Spoken | Percent |
|---|---|
| English only | 93.6% |
| Spanish | 3.9% |
| Other Indo-European languages | 1.6% |
| Asian and Pacific Islander languages | 1.0% |
| Other languages | 0.0% |
Regarding consumer complaints about financial products in ZIP Code 95005, credit card or prepaid card have received the most complaints in 95005 in the past 12 months. Credit reporting or credit repair services received the second most complaints. The most frequent complaint overall in this Santa Cruz County region was false statements or representation.
| Complaint Product | Number of Complaints* |
|---|---|
| Credit card or prepaid card | 2 |
| Credit reporting or credit repair services | 2 |
| Debt collection | 2 |
| Checking or savings account | 1 |
| Complaint Issue | Number of Complaints* |
|---|---|
| False statements or representation | 2 |
| Incorrect information on your report | 2 |
| Problem with a purchase shown on your statement | 2 |
| Problem with a lender or other company charging your account | 1 |
Regarding solar power potential, ZIP Code 95005 has an average daily solar radiation level of 5.91 kWh/m2/day. This is approximately 43.45% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 10.32% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 95005 | 15.59¢/kWh | 14.08¢/kWh | 8.98¢/kWh |
| California | 31.05¢/kWh | 28.92¢/kWh | 24.93¢/kWh |
| United States | 16.63¢/kWh | 13.39¢/kWh | 8.72¢/kWh |
| Month | ZIP Code 95005 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 4.22 | 1.9 | 5.84 |
| Feb | 4.65 | 3 | 6.31 |
| Mar | 5.81 | 3.65 | 7.02 |
| Apr | 6.53 | 5.13 | 7.3 |
| May | 6.59 | 5.17 | 7.13 |
| Jun | 6.8 | 5.72 | 6.95 |
| Jul | 6.98 | 6.22 | 6.51 |
| Aug | 7.24 | 6.08 | 6.65 |
| Sep | 6.92 | 5.15 | 7.02 |
| Oct | 6.03 | 3.32 | 6.92 |
| Nov | 5.02 | 2.33 | 5.99 |
| Dec | 4.17 | 1.78 | 5.46 |