HomeCaliforniaSanta Cruz CountyCapitola city
Capitola city, California: commercial real estate data.
Capitola city 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.
80 sourced place values · tier FULL · 9 sections · 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
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.
Capitola
SBA loans in Capitola (504)
- Approvals12
- Gross approval$7,292,000
- Average approval$607,667
- Median approval$650,000
- Largest approval$1,153,000
- Jobs supported93
- Loans with a final outcome1
- 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.
Capitola
Flood risk in Capitola
- Listed NFIP communities1
- Of those, participating1
- NFIP community number060354
- Currently effective map date09/29/17
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Santa Cruz County, not Capitola
Santa Cruz County context, not Capitola 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 Capitola 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 Capitola. 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.
- 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
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 totalling $11.2 m, across 13 lenders, median approval $250,000, plus 12 504 approvals worth $7.3 m. 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 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.
Is Capitola in the National Flood Insurance Program?
Yes. Capitola appears in the FEMA Community Status Book as 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 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 Capitola.
Is zoning published for Capitola?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.