RentDataNowRentDataNow
ZIP Code · CA

ZIP 95010

Part of Capitola, CA
Pop. 8,707·Santa Cruz County·204th most expensive ZIP in California
Median rent (all units)
$3,418/mo
Year-over-Year
+12.4%
Month-over-Month
-2.1%
vs US Median
+$1,453
Falling (Monthly)
Be the first to discuss 95010 rents ↓
Most AffordableMost Expensive
ZIP 95010 · $3,418
More expensive than 94% of US ZIP codes · National median $1,965/mo
Rent check

Is your rent fair?

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

Loading…

Last updated: July 20, 2026

Annual cost
$41,016/yr
At $3,418/mo median
Location
StateCA
CountySanta Cruz County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 12.4% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+12.4% YoY, -2.1% 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

Discussions about ZIP 95010

No discussions yet. Start the conversation.

Local insights

Tips for renters in ZIP 95010

About renting in ZIP 95010

Last updated: July 20, 2026

ZIP code 95010 covers Capitola, CA. The median rent here is $3,418/mo as of July 2026. A 1-bedroom rents for a median of $3,410/mo. A 2-bedroom rents for a median of $4,360/mo.

At 39% of local median household income ($105,236/yr), ZIP 95010 ranks as moderate compared to the national benchmark of 30%. Rents have increased 12.4% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 95010?

As of July 20, 2026, the median monthly rent in ZIP 95010 (Capitola, CA) is $3,418. This is based on aggregated data from public sources and community submissions.

How does ZIP 95010 rent compare to the US average?

ZIP 95010's median rent of $3,418/mo is $1,453 (74%) above the US national median of $1,965/mo.

How does ZIP 95010 compare to other ZIPs in California?

ZIP 95010 is one of the pricier ZIP codes in California, ranking #204 out of 907 ZIPs tracked at $3,418/mo.

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 $137,000/year (~$66/hour full-time) to afford the median rent of $3,418/mo in ZIP 95010. The local median household income is $105,236/yr, meaning the typical household falls short of that threshold.

Is rent going up or down in ZIP 95010?

Rent in ZIP 95010 has increased 12.4% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 95010 an affordable place to rent?

ZIP 95010 is considered moderate for renters. At $3,418/mo, rent takes approximately 39% of the local median household income ($105,236/yr). The standard benchmark is 30%. ZIP 95010 slightly exceeds that threshold, so budgeting carefully matters here.

What percentage of ZIP 95010 residents rent vs. own?

According to Census data, approximately 51.1% of ZIP 95010 households are renters, while 48.9% are owner-occupied. With a majority renter population, ZIP 95010 has a strong rental market.

How does ZIP 95010 compare to the rest of Capitola?

ZIP 95010 sits right at the Capitola citywide median of $3,418/mo.

When was rent data for ZIP 95010 last updated?

Rent data for ZIP 95010 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
39%
MODERATE

At $3,418/mo, rent takes ~39% of ZIP 95010's median household income ($105,236/yr). The standard benchmark is 30%.

ZIP 95010 39%Benchmark 30%
State income tax1–13.3%
Compare

How does this area stack up?

Pick another city or ZIP to compare.

Schools nearby

Public schools near ZIP 95010 (Capitola, CA)

Recent submissions

Be the first to submit your rent for this ZIP.

Recent discussions

No discussions yet.