ZIP Code · CA

ZIP 95010

Part of Capitola, CA

Pop. 8,707·Santa Cruz County·189th most expensive ZIP in California

Median rent (all units)

$3,477/mo

Year-over-Year

+3.7%

Month-over-Month

-0.8%

vs US Median

+$1,545

Reported rents

Falling (Monthly)

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Most AffordableMost Expensive

ZIP 95010 · $3,477

More expensive than 95% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$3,290

1 BR

$3,410

2 BR

$4,360

3 BR

$5,560

4 BR+

$5,850

Research median

$4,360/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Past year vs. the rest of California

Rent in ZIP 95010 changed +3.7% over the year to September 2026. Across the 819 California ZIP codes Zillow tracks, the typical change was +3.2%.

Recent direction

Rent rose in 8 of the last 12 months.

What a typical income covers

30% of the median household income ($105,236) is $2,631 a month. That is less than HUD's Fair Market Rent for a studio ($3,290).

Cheaper nearby

ZIP 95073, 5 miles away, rents for 18% less ($2,850/mo), about $7,500 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 95010. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$41,724/yr

At $3,477/mo median

Location

CityCapitola

StateCA

CountySanta Cruz County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (3.7% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+3.7% YoY, -0.8% MoM), not inventory.

Demographics

Who lives here

ZIP 95010 (Capitola, CA) is roughly split between renters and owners, has a large retiree population, has a median income above the national average, 48.3% of residents hold a bachelor's degree or higher.

Population

8,707

Median income

$105,236

Median age

49.7

Renters

51.1%

Age distribution

13.7%

17.8%

26.3%

15.4%

26.7%

Under 1813.7%

18–3417.8%

35–5426.3%

55–6415.4%

65+26.7%

Gender

53.1%

46.9%

Male53.1%

Female46.9%

Race & ethnicity

69.8%

26%

White69.8%

Black1.3%

Hispanic26%

Asian4.5%

Education (25+)

31%

48.3%

No HS diploma8.8%

HS diploma11.9%

Some college31%

Bachelor's+48.3%

Housing tenure

48.9%

51.1%

Owner48.9%

Renter51.1%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 95010 in Capitola, CA has changed in 5 years

Income

$83,827 → $105,236

up 25.5%

Population

8,808 → 8,707

down 1.1%

Renter share

55.6% → 51.1%

-4.5 pts

Bachelor's+

46.2% → 48.3%

+2.1 pts

Census figures show median household income at $105,236 today, compared with $83,827 five years earlier. The population has contracted by 1.1% since 2021, moving from about 8,808 residents to roughly 8,707. Renters now make up 51.1% of households, compared with 55.6% five years ago. College-educated residents now make up 48.3% of adults here, versus 46.2% in 2021.

Community

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Local insights

Tips for renters in ZIP 95010

About renting in ZIP 95010

Last updated: October 17, 2026

ZIP code 95010 covers Capitola, CA. The median rent here is $3,477/mo as of October 2026. A 1-bedroom rents for a median of $3,410/mo. A 2-bedroom rents for a median of $4,360/mo.

At 40% of local median household income ($105,236/yr), ZIP 95010 ranks as moderate compared to the national benchmark of 30%. Rents have increased 3.7% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 95010?

To keep rent at or below 30% of gross income, you would need to earn at least $139,000/year (about $67/hour full-time) to afford the median rent of $3,477/mo in ZIP 95010. The local median household income is $105,236/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 95010?

Rent in ZIP 95010 has risen 3.7% over the past year.

How does ZIP 95010 compare to other ZIPs in California?

ZIP 95010 is one of the pricier among California ZIP codes for rent, ranking #189 of 898 at $3,477/mo. Over the year to September 2026, rent in ZIP 95010 changed +3.7%, against a typical +3.2% across the 819 California ZIP codes Zillow tracks.