ZIP Code 95017

In ZIP 95017, near Santa Cruz, homes carry a median value of $953,100 while households earn a median of $102,625, so buying here demands roughly nine times annual income. The county's 0.64% effective property tax rate works out to about $6,100 a year on that median home — a real claim on earnings, though the percentage itself stays low because California assessments grow slowly. Per-capita income sits at $46,252. Add a 9.50% combined sales tax on purchases, and the cost of living in this coastal pocket runs high against what people bring home.