HomeCaliforniaSanta Cruz CountyScotts Valley city
Scotts Valley city, California: commercial real estate data.
Scotts Valley city 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.
80 sourced place values · tier FULL · 9 sections · 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$1,800,000
- 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
A charge-off rate is not published here. only 6 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.
Scotts Valley
SBA loans in Scotts Valley (504)
- Approvals10
- Gross approval$10,439,000
- Average approval$1,043,900
- Median approval$714,000
- Largest approval$5,500,000
- Jobs supported139
- 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.
Scotts Valley
Flood risk in Scotts Valley
- Listed NFIP communities1
- Of those, participating1
- NFIP community number060356
- Currently effective map date05/16/12
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 Scotts Valley
Santa Cruz County context, not Scotts Valley 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 Scotts Valley 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 Scotts Valley. 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
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 totalling $18.4 m, across 10 lenders, median approval $375,000, plus 10 504 approvals worth $10.4 m. 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 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 Scotts Valley in the National Flood Insurance Program?
Yes. Scotts Valley appears in the FEMA Community Status Book as 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 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 Scotts Valley.
Is zoning published for Scotts Valley?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.