HomeCaliforniaSanta Cruz CountySanta Cruz city
Santa Cruz city, California: commercial real estate data.
Santa Cruz city is a Census city of 61,607 people across 12.74 square miles of land, in Santa Cruz County. Median household income is $115,475, 48.4 percent of occupied homes are owned, and the SBA record carries 93 7(a) approvals to borrowers here worth $48.4 m.
83 sourced place values · tier FULL · 9 sections
Santa Cruz
What Santa Cruz is
- Census place typecity
- Land area12.74 sq mi
- Water area3.09 sq mi
- Population per square mile of land4,836
- 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.
Santa Cruz
How many people live in Santa Cruz
- Population61,607
- Median age31.1
- Population under 186,915
- Share under 1811.2 percent
- Population 65 and over9,295
- Share 65 and over15.1 percent
- Households21,713
- Family households10,405
- Share of households that are families47.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Santa Cruz
Income and work in Santa Cruz
- Median household income$115,475
- Per capita income$55,676
- Civilian labor force34,466
- Employed31,972
- Unemployed2,494
- Unemployment rate7.2 percent
- Adults 25 and over36,150
- Adults 25 and over with a high school diploma or higher95.2 percent
- Adults 25 and over with a bachelor degree or higher57.6 percent
- Adults 25 and over with a graduate degree29.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Santa Cruz
Housing in Santa Cruz
- Housing units23,888
- Occupied units21,713
- Vacant units2,175
- Vacancy rate9.1 percent
- Owner occupied10,511
- Renter occupied11,202
- Ownership rate48.4 percent
- Median owner-occupied home value$1,209,000
- Median gross rent, monthly$2,452
- Annual rent as a share of median income25.5 percent
- Single family units15,637
- Share single family65.5 percent
- Units in buildings of two or more7,788
- Share in buildings of two or more32.6 percent
- Mobile homes416 plus or minus 177
- Median year structure built1970
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Santa Cruz
How Santa Cruz gets to work
- Workers 16 and over who commute23,745
- Commuting under 15 minutes9,721
- Share commuting under 15 minutes40.9 percent
- Commuting 30 minutes or more6,744
- Share commuting 30 minutes or more28.4 percent
- Drove alone51.3 percent
- Carpooled6.2 percent
- Public transport4.7 percent plus or minus 1.1
- Walked9.0 percent
- Worked from home22.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Santa Cruz
SBA 7(a) lending to Santa Cruz borrowers
- Approvals93
- Gross approval$48,351,500
- Average approval$519,909
- Median approval$204,000
- Ninetieth percentile approval$1,188,000
- Largest approval$4,650,000
- Jobs supported877
- Jobs per approval9.4
- Loans with a final outcome20
- Paid in full20
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term120 months
- Share on real estate terms of 20 years or more15.1 percent
- Share to franchises3.2 percent
- Distinct lenders36
- Distinct industries by NAICS63
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Santa Cruz
SBA 504 lending to Santa Cruz borrowers
- Approvals57
- Gross approval$60,225,000
- Average approval$1,056,579
- Median approval$671,000
- Largest approval$5,500,000
- Jobs supported475
- Loans with a final outcome11
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term300 months
- Distinct CDCs7
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Santa Cruz
Flood programme status in Santa Cruz
- Listed NFIP communities1
- Of those, participating1
- Best Community Rating System classClass 7
- NFIP community number060355
- Currently effective map date09/29/17
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Santa Cruz County, not Santa Cruz
Santa Cruz County context, not Santa Cruz 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 Santa Cruz 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 Santa Cruz. 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
Santa Cruz questions, answered from the record.
How many people live in Santa Cruz, California?
61,607, in 21,713 households. Santa Cruz city covers 12.74 square miles of land, which is 4,836 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Santa Cruz 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 Santa Cruz?
$115,475. The median owner-occupied home is valued at $1,209,000. Median gross rent is $2,452 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Santa Cruz businesses?
93 7(a) approvals totalling $48.4 m, across 36 lenders, median approval $204,000, plus 57 504 approvals worth $60.2 m. These count approvals to borrowers whose address is in Santa Cruz, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Santa Cruz borrowers get paid back?
Of the 20 loans that have reached a final outcome, 20 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Santa Cruz in the National Flood Insurance Program?
Yes. Santa Cruz appears in the FEMA Community Status Book as community 060355, carrying Community Rating System class 7, which is a premium discount for exceeding the programme minimum. 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 Santa Cruz 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 Santa Cruz.
Is zoning published for Santa Cruz?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.