The ZIP Code 95010 is associated with the city of Capitola in California in Santa Cruz County. About 92.8% of residents in this California region have a high school degree or higher, while the per capita income is estimated at $42,821. Approximately 12% of the population lives below the poverty line, while the median househould income sits at $71,531. The median age in ZIP Code 95010 is approximately 42.9 years, and 27.5% of the region's residents are aged 62 years and older. The current population estimate is 8,856.
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The median household income in ZIP Code 95010 is $71,531, while the region's mean household income is $94,247. Breaking income down further, per capita income in the region is $42,821. The per capita income in ZIP Code 95010 of $42,821 is approximately 15.87% more than the per capita income in California overall of $36,955. An estimated 12.4% of the population is living below the poverty line in this region. This rate is approximately30.53% higher than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 17.7% of the population in 95010 earn $50,000 to $74,999 per year, while an estimated 17.4% earn $75,000 to $99,999 per year, and 2.0% of 95010 residents earn $10,000 to $14,999 per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 5.5% |
| $10,000 to $14,999 per year | 2.0% |
| $15,000 to $24,999 per year | 6.6% |
| $25,000 to $34,999 per year | 9.2% |
| $35,000 to $49,999 per year | 10.4% |
| $50,000 to $74,999 per year | 17.7% |
| $75,000 to $99,999 per year | 17.4% |
| $100,000 to $149,999 per year | 16.8% |
| $150,000 to $199,999 per year | 5.6% |
| $200,000 or more per year | 8.8% |
In ZIP Code 95010, 92.8% of the population graduated high school, while 37.4% have a bachelor's degree or higher. In this region, 3.9% achieved an education level less than 9th grade, while 15.6% hold a graduate or professional degree. Approximately 15.4% in this Santa Cruz County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 3.9% |
| 9th to 12th grade, no diploma | 3.3% |
| High school graduate (includes equivalency) | 15.4% |
| Some college, no degree | 29.3% |
| Associate's degree | 10.7% |
| Bachelor's degree | 21.8% |
| Graduate or professional degree | 15.6% |
Looking at race in the population that makes up ZIP Code 95010, 92.6% is one race, while 7.4% are two or more races. Approximately 20.7% of 95010 residents are hispanic or Latino (of any race). The most common race in 95010 (race alone or in combination with one or more other races), is White (94.5%), followed by Black or African American (6.8%) .
| Industry | Percent |
|---|---|
| White | 94.5% |
| Black or African American | 6.8% |
| American Indian and Alaska Native | 2.9% |
| Asian | 4.2% |
| Native Hawaiian and Other Pacific Islander | 0.5% |
| Some other race | 0.7% |
Regarding the age of homes in ZIP Code 95010, an estimated 23.2% of homes were built between 1970 and 1979. Additionally, 21.1% of homes in the region were built between 1960 and 1969, while an estimated 0.4% of homes were built in 2014 or later in this Santa Cruz County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 0.4% |
| Built between 2010 and 2013 | 1.6% |
| Built between 2000 and 2009 | 3.8% |
| Built between 1990 and 1999 | 10.1% |
| Built between 1980 and 1989 | 13.8% |
| Built between 1970 and 1979 | 23.2% |
| Built between 1960 and 1969 | 21.1% |
| Built between 1950 and 1959 | 11.2% |
| Built between 1940 and 1949 | 5.0% |
| Built in 1939 or earlier | 9.8% |
Residents of ZIP Code 95010 are older than average. The median age of 42.9 years in ZIP Code 95010 is approximately 12.6% higher than the overall median age in the U.S. of 38.1 years. About 80.7% of residents are aged 18 years and older, and 27.5% of residents are 62 years and over. Approximately 14.5% of the population in 95010 falls in the age group 65 to 74 years, while an estimated 13.5% are aged 35 to 44 years. On the low end of the scale, 3.1% of 95010 residents are aged 20 to 24 years.
| Age Range | Percent |
|---|---|
| Under 5 years | 4.7% |
| 5 to 9 years | 7.4% |
| 10 to 14 years | 4.5% |
| 15 to 19 years | 6.0% |
| 20 to 24 years | 3.1% |
| 25 to 34 years | 13.1% |
| 35 to 44 years | 13.5% |
| 45 to 54 years | 11.5% |
| 55 to 59 years | 6.8% |
| 60 to 64 years | 5.1% |
| 65 to 74 years | 14.5% |
| 75 to 84 years | 5.4% |
| 85 years and over | 4.4% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 95010 is current access to health insurance, as an estimated 93.7% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 95010 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 93.7% |
| Risk Behavior | Percent of adults* |
|---|
In 95010, 60.4% of the population is in the labor force. Recent estimates place 9.5% as working from home, while the total labor force in the region has a mean travel to time to work of 25.2 minutes. Approximately 25.5% of the employed population 16 years and over in 95010 work in educational services, and health care and social assistance, while an estimated 16.5% work in retail trade. On the lower end of the scale, just 0.4% of 95010 workers 16 years and over work in agriculture, forestry, fishing and hunting, and mining.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 0.4% |
| Construction | 6.1% |
| Manufacturing | 6.5% |
| Wholesale trade | 3.1% |
| Retail trade | 16.5% |
| Transportation and warehousing, and utilities | 2.5% |
| Information | 1.9% |
| Finance and insurance, and real estate and rental and leasing | 9.5% |
| Professional, scientific, management, and administrative | 9.3% |
| Educational services, and health care and social assistance | 25.5% |
| Arts, entertainment, and recreation, and accommodation and food services | 11.2% |
| Other services, except public administration | 4.6% |
| Public administration | 2.8% |
In ZIP Code 95010, 81.6% of the population lists "English only" as the language spoken in home, while 15.6% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 1.0% of homes, and other Indo-European languages are spoken in 1.8% 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 | 81.6% |
| Spanish | 15.6% |
| Other Indo-European languages | 1.0% |
| Asian and Pacific Islander languages | 1.8% |
| Other languages | 0.0% |
Regarding consumer complaints about financial products in ZIP Code 95010, credit reporting or credit repair services have received the most complaints in 95010 in the past 12 months. Credit reporting or other personal consumer reports received the second most complaints. The most frequent complaint overall in this Santa Cruz County region was problem with a credit reporting company's investigation.
| Complaint Product | Number of Complaints* |
|---|---|
| Credit reporting or credit repair services | 12 |
| Credit reporting or other personal consumer reports | 2 |
| Checking or savings account | 1 |
| Credit card or prepaid card | 1 |
| Debt collection | 1 |
| Other | 2 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Problem with a credit reporting company's investigation | 10 |
| Incorrect information on your report | 4 |
| Attempts to collect debt not owed | 1 |
| Closing an account | 1 |
| Managing the loan or lease | 1 |
| Other | 2 |
Regarding solar power potential, ZIP Code 95010 has an average daily solar radiation level of 5.6 kWh/m2/day. This is approximately 35.92% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 15.02% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 95010 | 15.59¢/kWh | 14.08¢/kWh | 8.98¢/kWh |
| California | 30.55¢/kWh | 23.13¢/kWh | 19.8¢/kWh |
| United States | 16.26¢/kWh | 12.76¢/kWh | 8.01¢/kWh |
| Month | ZIP Code 95010 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 4.4 | 1.9 | 5.84 |
| Feb | 4.75 | 3 | 6.31 |
| Mar | 5.71 | 3.65 | 7.02 |
| Apr | 6.23 | 5.13 | 7.3 |
| May | 6.18 | 5.17 | 7.13 |
| Jun | 6.45 | 5.72 | 6.95 |
| Jul | 6.27 | 6.22 | 6.51 |
| Aug | 6.4 | 6.08 | 6.65 |
| Sep | 6.19 | 5.15 | 7.02 |
| Oct | 5.72 | 3.32 | 6.92 |
| Nov | 4.96 | 2.33 | 5.99 |
| Dec | 3.93 | 1.78 | 5.46 |