HomeCaliforniaSanta Cruz CountyAptos
Aptos, California: commercial real estate data.
Aptos is a Census CDP of 6,404 people across 6.58 square miles of land, in Santa Cruz County. Median household income is $134,048, 71.1 percent of occupied homes are owned, and the SBA record carries 25 7(a) approvals to borrowers here worth $8.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Aptos
What Aptos is
- Census place typeCDP
- Land area6.58 sq mi
- Water area0 sq mi
- Population per square mile of land974
- County holding the largest share of its areaSanta Cruz County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Aptos
How many people live in Aptos
- Population6,404
- Median age45.7
- Population under 18894 plus or minus 226
- Share under 1814.0 percent plus or minus 3.0
- Population 65 and over1,613
- Share 65 and over25.2 percent
- Households2,502
- Family households1,752
- Share of households that are families70.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Aptos
Income and work in Aptos
- Median household income$134,048
- Per capita income$64,912
- Civilian labor force3,145
- Employed2,974
- Unemployed171 plus or minus 107
- Unemployment rate5.4 percent plus or minus 3.3
- Adults 25 and over4,497
- Adults 25 and over with a high school diploma or higher97.6 percent
- Adults 25 and over with a bachelor degree or higher49.5 percent
- Adults 25 and over with a graduate degree23.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Aptos
Housing in Aptos
- Housing units2,800
- Occupied units2,502
- Vacant units298 plus or minus 160
- Vacancy rate10.6 percent plus or minus 5.6
- Owner occupied1,779
- Renter occupied723 plus or minus 245
- Ownership rate71.1 percent
- Median owner-occupied home value$1,093,300
- Median gross rent, monthly$2,059 plus or minus $957
- Annual rent as a share of median income18.4 percent plus or minus 8.9
- Single family units2,158
- Share single family77.1 percent
- Units in buildings of two or more428 plus or minus 242
- Share in buildings of two or more15.3 percent plus or minus 8.5
- Mobile homes214 plus or minus 98
- Median year structure built1977
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Aptos
How Aptos gets to work
- Workers 16 and over who commute2,368
- Commuting under 15 minutes657 plus or minus 184
- Share commuting under 15 minutes27.7 percent plus or minus 6.2
- Commuting 30 minutes or more888 plus or minus 277
- Share commuting 30 minutes or more37.5 percent plus or minus 9.8
- Drove alone68.8 percent
- Carpooled5.4 percent plus or minus 4.3
- Public transport1.0 percent plus or minus 1.1
- Walked5.2 percent plus or minus 3.0
- Worked from home18.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Aptos
SBA loans in Aptos (7(a))
- Approvals25
- Gross approval$8,109,300
- Average approval$324,372
- Median approval$185,000
- Ninetieth percentile approval$832,600
- Largest approval$1,487,000
- Jobs supported209
- Jobs per approval8.4
- Loans with a final outcome5
- Paid in full4
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more8.0 percent
- Share to franchises0.0 percent
- Distinct lenders14
- Distinct industries by NAICS19
Counted by borrower city: approvals to borrowers whose address is in Aptos, in any county, FY2020 to FY2026. Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Aptos
SBA loans in Aptos (504)
- Approvals11
- Gross approval$4,788,000
- Average approval$435,273
- Median approval$412,000
- Largest approval$783,000
- Jobs supported53
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs6
Counted by borrower city: approvals to borrowers whose address is in Aptos, in any county, FY2010 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Santa Cruz County, not Aptos
Santa Cruz County context, not Aptos figures
- Establishments in Santa Cruz County7,136
- Covered employment, Santa Cruz County104,514
- Average annual pay, Santa Cruz County$67,622
- Housing units permitted, Santa Cruz County259
Every figure in this section is published for Santa Cruz County as a whole and is not a measurement of Aptos.
All Santa Cruz County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Aptos questions, answered from the record.
How many people live in Aptos, California?
6,404, in 2,502 households. Aptos CDP covers 6.58 square miles of land, which is 974 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Aptos in?
Santa Cruz County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Aptos?
$134,048. The median owner-occupied home is valued at $1,093,300. Median gross rent is $2,059 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Aptos businesses?
25 7(a) approvals totaling $8.1 m since FY2020, across 14 lenders, median approval $185,000, plus 11 504 approvals worth $4.8 m since FY2010. These count approvals to borrowers whose address is in Aptos, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Aptos borrowers get paid back?
No rate is published for Aptos. Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Are the county figures on this page Aptos figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Santa Cruz County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Aptos.
Is zoning published for Aptos?
No. Nothing on this page presents parcel level zoning.