HomeCaliforniaSanta Cruz CountyScotts Valley
Scotts Valley, California: commercial real estate data.
Scotts Valley is a Census city of 12,044 people across 4.62 square miles of land, in Santa Cruz County. Median household income is $143,750, 73.6 percent of occupied homes are owned, and the SBA record carries 23 7(a) approvals to borrowers here worth $18.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Scotts Valley
What Scotts Valley is
- Census place typecity
- Land area4.62 sq mi
- Water area0 sq mi
- Population per square mile of land2,608
- 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.
Scotts Valley
How many people live in Scotts Valley
- Population12,044
- Median age47.3
- Population under 182,210
- Share under 1818.3 percent
- Population 65 and over2,784
- Share 65 and over23.1 percent
- Households5,036
- Family households3,480
- Share of households that are families69.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Scotts Valley
Income and work in Scotts Valley
- Median household income$143,750
- Per capita income$82,921
- Civilian labor force6,635
- Employed6,441
- Unemployed194 plus or minus 99
- Unemployment rate2.9 percent plus or minus 1.5
- Adults 25 and over8,894
- Adults 25 and over with a high school diploma or higher94.3 percent
- Adults 25 and over with a bachelor degree or higher55.6 percent
- Adults 25 and over with a graduate degree22.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Scotts Valley
Housing in Scotts Valley
- Housing units5,402
- Occupied units5,036
- Vacant units366 plus or minus 215
- Vacancy rate6.8 percent plus or minus 4.0
- Owner occupied3,708
- Renter occupied1,328 plus or minus 316
- Ownership rate73.6 percent
- Median owner-occupied home value$1,105,700
- Median gross rent, monthly$2,491
- Annual rent as a share of median income20.8 percent plus or minus 4.3
- Single family units3,705
- Share single family68.6 percent
- Units in buildings of two or more776 plus or minus 265
- Share in buildings of two or more14.4 percent plus or minus 4.8
- Mobile homes921 plus or minus 274
- Median year structure built1986
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Scotts Valley
How Scotts Valley gets to work
- Workers 16 and over who commute4,440
- Commuting under 15 minutes1,435 plus or minus 322
- Share commuting under 15 minutes32.3 percent
- Commuting 30 minutes or more1,567 plus or minus 331
- Share commuting 30 minutes or more35.3 percent
- Drove alone65.7 percent
- Carpooled2.5 percent plus or minus 1.6
- Public transport1.4 percent plus or minus 1.4
- Walked1.6 percent plus or minus 1.5
- Worked from home26.1 percent plus or minus 6.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Scotts Valley
SBA loans in Scotts Valley (7(a))
- Approvals23
- Gross approval$18,400,800
- Average approval$800,035
- Median approval$375,000
- Ninetieth percentile approval$1,756,000
- Largest approval$3,350,000
- Jobs supported211
- Jobs per approval9.2
- Loans with a final outcome6
- Paid in full6
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more26.1 percent
- Share to franchises30.4 percent
- Distinct lenders10
- Distinct industries by NAICS16
Counted by borrower city: approvals to borrowers whose address is in Scotts Valley, in any county, FY2020 to FY2026. Only 6 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.
Scotts Valley
SBA loans in Scotts Valley (504)
- Approvals10
- Gross approval$10,439,000
- Average approval$1,043,900
- Median approval$626,000
- Largest approval$5,500,000
- Jobs supported139
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs6
Counted by borrower city: approvals to borrowers whose address is in Scotts Valley, 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.
Scotts Valley
Flood risk in Scotts Valley
- NFIP communityCity of Scotts Valley
- NFIP community number060356
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date05/16/12
The City of Scotts Valley participates in the National Flood Insurance Program as community 060356 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 Scotts Valley
Santa Cruz County context, not Scotts Valley 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 Scotts Valley.
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
Scotts Valley questions, answered from the record.
How many people live in Scotts Valley, California?
12,044, in 5,036 households. Scotts Valley city covers 4.62 square miles of land, which is 2,608 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Scotts Valley 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 Scotts Valley?
$143,750. The median owner-occupied home is valued at $1,105,700. Median gross rent is $2,491 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Scotts Valley businesses?
23 7(a) approvals totaling $18.4 m since FY2020, across 10 lenders, median approval $375,000, plus 10 504 approvals worth $10.4 m since FY2010. These count approvals to borrowers whose address is in Scotts Valley, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Scotts Valley borrowers get paid back?
No rate is published for Scotts Valley. Only 6 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 Scotts Valley in the National Flood Insurance Program?
Yes. Scotts Valley appears in the FEMA Community Status Book as Scotts Valley, city of, community 060356, 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 Scotts Valley 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 Scotts Valley.
Is zoning published for Scotts Valley?
No. Nothing on this page presents parcel level zoning.