HomeCaliforniaSanta Cruz CountySanta Cruz
Santa Cruz, California: commercial real estate data.
Santa Cruz 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
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 loans in Santa Cruz (7(a))
- Approvals93
- Gross approval$48,351,500
- Average approval$519,909
- Median approval$204,000
- Ninetieth percentile approval$1,185,400
- Largest approval$4,650,000
- Jobs supported877
- Jobs per approval9.4
- Loans with a final outcome20
- Paid in full20
- Charged off0
- 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
Counted by borrower city: approvals to borrowers whose address is in Santa Cruz, in any county, FY2020 to FY2026. Only 20 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.
Santa Cruz
SBA loans in Santa Cruz (504)
- 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
- Median term300 months
- Distinct CDCs7
Counted by borrower city: approvals to borrowers whose address is in Santa Cruz, in any county, FY2010 to FY2026. Only 11 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
Flood risk in Santa Cruz
- NFIP communityCity of Santa Cruz
- NFIP community number060355
- Participating in the NFIPYes
- Community Rating System classClass 7
- Currently effective map date09/29/17
The City of Santa Cruz participates in the National Flood Insurance Program as community 060355 and carries Community Rating System class 7, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Santa Cruz County, not Santa Cruz
Santa Cruz County context, not Santa Cruz 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 Santa Cruz.
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
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 totaling $48.4 m since FY2020, across 36 lenders, median approval $204,000, plus 57 504 approvals worth $60.2 m since FY2010. 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?
No rate is published for Santa Cruz. Only 20 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 Santa Cruz in the National Flood Insurance Program?
Yes. Santa Cruz appears in the FEMA Community Status Book as Santa Cruz, city of, community 060355, carrying Community Rating System class 7, which is a premium discount for exceeding the program 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 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 Santa Cruz.
Is zoning published for Santa Cruz?
No. Nothing on this page presents parcel level zoning.