HomeCaliforniaSanta Cruz CountyAptos CDP
Aptos CDP, California: commercial real estate data.
Aptos CDP 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.
76 sourced place values · tier FULL · 8 sections
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 7(a) lending to Aptos borrowers
- Approvals25
- Gross approval$8,109,300
- Average approval$324,372
- Median approval$185,000
- Ninetieth percentile approval$837,000
- 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
A charge-off rate is not published here. only 5 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Aptos
SBA 504 lending to Aptos borrowers
- 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
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
These are Santa Cruz County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Aptos measurements.
- Establishments in Santa Cruz County7,136
- Employment at those establishments, Santa Cruz County80,209
- Covered employment, Santa Cruz County104,514
- Average annual pay, Santa Cruz County$67,622
- Average weekly wage, Santa Cruz County$1,300
- Housing units permitted, Santa Cruz County259
- Of those, single family, Santa Cruz County189
- County product, 2024, Santa Cruz County$21,092,114,000
- County product change over the prior year, Santa Cruz County6.4 percent
- Average income of an arriving household, Santa Cruz County$136,380
Every figure in this section is published for Santa Cruz County as a whole and is not a measurement of Aptos. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $8.1 m, across 14 lenders, median approval $185,000, plus 11 504 approvals worth $4.8 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Aptos figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.