HomeCaliforniaSanta Cruz CountyCapitola
Capitola, California: commercial real estate data.
Capitola is a Census city of 9,689 people across 1.59 square miles of land, in Santa Cruz County. Median household income is $102,976, 52.2 percent of occupied homes are owned, and the SBA record carries 21 7(a) approvals to borrowers here worth $11.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Capitola
What Capitola is
- Census place typecity
- Land area1.59 sq mi
- Water area0.08 sq mi
- Population per square mile of land6,077
- 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.
Capitola
How many people live in Capitola
- Population9,689
- Median age47.6
- Population under 181,454 plus or minus 311
- Share under 1815.0 percent plus or minus 3.2
- Population 65 and over2,401
- Share 65 and over24.8 percent
- Households4,564
- Family households2,212
- Share of households that are families48.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Capitola
Income and work in Capitola
- Median household income$102,976
- Per capita income$69,352
- Civilian labor force5,221
- Employed5,078
- Unemployed143 plus or minus 83
- Unemployment rate2.7 percent plus or minus 1.6
- Adults 25 and over7,609
- Adults 25 and over with a high school diploma or higher91.6 percent
- Adults 25 and over with a bachelor degree or higher47.9 percent
- Adults 25 and over with a graduate degree19.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Capitola
Housing in Capitola
- Housing units5,160
- Occupied units4,564
- Vacant units596 plus or minus 124
- Vacancy rate11.6 percent plus or minus 2.3
- Owner occupied2,381
- Renter occupied2,183
- Ownership rate52.2 percent
- Median owner-occupied home value$783,000 plus or minus $165,285
- Median gross rent, monthly$2,512
- Annual rent as a share of median income29.3 percent
- Single family units2,320
- Share single family45.0 percent
- Units in buildings of two or more2,274
- Share in buildings of two or more44.1 percent
- Mobile homes566 plus or minus 128
- Median year structure built1975
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Capitola
How Capitola gets to work
- Workers 16 and over who commute3,482
- Commuting under 15 minutes1,175 plus or minus 305
- Share commuting under 15 minutes33.7 percent plus or minus 7.3
- Commuting 30 minutes or more1,086 plus or minus 249
- Share commuting 30 minutes or more31.2 percent
- Drove alone52.8 percent
- Carpooled7.1 percent plus or minus 2.6
- Public transport1.1 percent plus or minus 1.0
- Walked4.7 percent plus or minus 3.1
- Worked from home28.2 percent plus or minus 7.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Capitola
SBA loans in Capitola (7(a))
- Approvals21
- Gross approval$11,170,100
- Average approval$531,910
- Median approval$250,000
- Ninetieth percentile approval$721,000
- Largest approval$3,264,000
- Jobs supported274
- Jobs per approval13.0
- Loans with a final outcome5
- Paid in full4
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more14.3 percent
- Share to franchises4.8 percent
- Distinct lenders13
- Distinct industries by NAICS15
Counted by borrower city: approvals to borrowers whose address is in Capitola, 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.
Capitola
SBA loans in Capitola (504)
- Approvals12
- Gross approval$7,292,000
- Average approval$607,667
- Median approval$594,000
- Largest approval$1,153,000
- Jobs supported93
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs6
Counted by borrower city: approvals to borrowers whose address is in Capitola, in any county, FY2010 to FY2026. Only 1 loan has 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.
Capitola
Flood risk in Capitola
- NFIP communityCity of Capitola
- NFIP community number060354
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/29/17
The City of Capitola participates in the National Flood Insurance Program as community 060354 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Santa Cruz County, not Capitola
Santa Cruz County context, not Capitola 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 Capitola.
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
Capitola questions, answered from the record.
How many people live in Capitola, California?
9,689, in 4,564 households. Capitola city covers 1.59 square miles of land, which is 6,077 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Capitola 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 Capitola?
$102,976. The median owner-occupied home is valued at $783,000. Median gross rent is $2,512 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Capitola businesses?
21 7(a) approvals totaling $11.2 m since FY2020, across 13 lenders, median approval $250,000, plus 12 504 approvals worth $7.3 m since FY2010. These count approvals to borrowers whose address is in Capitola, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Capitola borrowers get paid back?
No rate is published for Capitola. 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.
Is Capitola in the National Flood Insurance Program?
Yes. Capitola appears in the FEMA Community Status Book as Capitola, city of, community 060354, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Capitola 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 Capitola.
Is zoning published for Capitola?
No. Nothing on this page presents parcel level zoning.