ZIP Code Tabulation Area

95010

Capitola, CA · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
8,707
Median household income
$105,236
People below poverty
11.9%
Median home value
$828,700

Income

The median income of households in 95010 was $105,236. An estimated 3.1% of households had income below $10,000 a year and 19.7% had income of $200,000 or more.

Household Income in 95010 in 2020-2024

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Percent
Less than $10,000 3.1
$10,000 to $14,999 3.1
$15,000 to $24,999 3.8
$25,000 to $34,999 3.3
$35,000 to $49,999 6.9
$50,000 to $74,999 11.6
$75,000 to $99,999 16.7
$100,000 to $149,999 19
$150,000 to $199,999 12.8
$200,000 or more 19.7

Median Earnings for Full-Time Year-Round Workers by Sex in 95010 in 2020-2024

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Dollars
Male 99494
Female 90802

An estimated 71.2% of households received earnings. An estimated 38.1% of households received Social Security and an estimated 28.2 % of households received retirement income other than Social Security. The average income from Social Security was $23,207. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 95010 in 2020-2024

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Percent
Earnings 71.2
Social Security 38.1
Retirement income 28.2
Supplemental Security Income (SSI) 4.5
Cash public assistance income 3.5

Poverty and Participation in Government Programs

In 2020-2024, 11.9 % of people were in poverty. An estimated 14.7% of children under 18 were below the poverty level, compared with 14.1% of people 65 years old and over. An estimated 10.3% of people 18 to 64 years were below the poverty level.

Poverty Rates in 95010 in 2020-2024

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Percent
People in poverty 11.9
Children under 18 years below poverty 14.7
People 65 years old and over below poverty 14.1
People 18 to 64 years below poverty 10.3

In 2020-2024, 9 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 45.4% of households that received SNAP had children under 18, and 38.8% of households that received SNAP had one or more people 60 years and over. An estimated 32.5% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 95010 in 2020-2024, 95.5% had health insurance coverage and 4.5% did not have health insurance coverage. Private coverage was 68.5% and public coverage was 42.7%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 7.2%.


In 2020-2024, 95010 had a total population of 8,707 - 4,084 (46.9%) females and 4,623 (53.1%) males. The median age was 49.7 years. An estimated 13.7% of the population was under 18 years, 29.4% was 19 to 44 years, 28.6% was 45 to 64 years, and 26.7 % was 65 years and older.

Population by Age and Sex for 95010 in 2020-2024

Male Female
Under 5 183 132
5 to 9 224 122
10 to 14 207 123
15 to 19 274 68
20 to 24 208 220
25 to 29 247 356
30 to 34 249 131
35 to 39 316 257
40 to 44 323 256
45 to 49 386 162
50 to 54 344 246
55 to 59 281 510
60 to 64 196 357
65 to 69 393 283
70 to 74 400 235
75 to 79 193 175
80 to 84 133 178
85 and over 66 273

Hispanic Origin and Race

For people reporting one race alone, 69.8% were White; 1.3% were Black or African American; 7.5% were American Indian and Alaska Native; 4.5% were Asian; 0.1% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 11.4% reported Two or More Races. An estimated 26% of the people in 95010 were Hispanic or Latino. An estimated 64% of the people in 95010 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 4,242 households in 95010. The average household size was 2.02 people.

Married-couple households made up 32.2% of the households in 95010 while cohabiting couple households made up 7.4% of households. Female householders with no spouse or partner present were 32.1% of all households, while 28.4% of households had male householders with no spouse or partner present. Some households had one person, as 21.8% of households were male householders living alone, and 17.4% were female householders living alone, for a total of 39.2% of all households.

In 95010, 17.1% of all households had one or more people under the age of 18; 42.4% of all households had one or more people 65 years and over.

Types of Households in 95010 in 2020-2024

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Percent
Married-couple households 32.2
Cohabiting Couples 7.4
Male Householder
No spouse/partner present
28.4
Female Householder
No spouse/partner present
32.1

Marital Status

Among persons 15 and older, 37.8% of males and 38.4% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 42.6 30.7
Now married, except separated 37.8 38.4
Separated 0.6 0.9
Widowed 1.2 7.2
Divorced 17.8 22.8

Grandparents and Grandchildren

In 95010, 0 grandparents lived with their grandchildren under 18 years old. Of those grandparents, NaN% were responsible for the basic needs of their grandchildren.

Note: The presence of NaN means that the estimate could not be calculated or cannot be published for this topic or geography.


Nativity and Foreign-Born

In 2020-2024, an estimated 85% of the people living in 95010 were U.S. natives. 59% of the 95010 population were living in the state where they were born.

Approximately 15% of 95010 residents in 2020-2024 were foreign-born. 45.7% of foreign-born were naturalized U.S. citizens and an estimated 84 % entered the country before the year 2010.

Foreign-born residents of 95010 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 95010.

Region of Birth for the Foreign-Born Population in 95010 in 2020-2024

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Percent
Latin America 49.7
Asia 27.9
Europe 17.9
Africa 1
Northern America 0.8
Oceania 2.7

Language

Among people at least five years old living in 95010 in 2020-2024, 19.1 % spoke a language other than English at home. Spanish was spoken by 13.2% of people at least five years old; 7.5% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 95010 in 2020-2024

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Percent
Spanish 13.2
Other Indo-European languages 2.8
Asian and Pacific Islander languages 3
Other languages 0.1

Geographic Mobility

In 2020-2024, 88 % of the people at least one year old living in 95010 were living in the same house one year earlier.

Geographic Mobility of Residents of 95010 in 2020-2024

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Percent
Same house 88
Different house, same county 5.5
Different county, same state 4.4
Different state 0.7
Abroad 1.3

Education

In 2020-2024, 91.2 % of people 25 years and over had at least graduated from high school and 48.3% had a bachelor's degree or higher. An estimated 8.8% did not complete high school.

The total school enrollment in 95010 was 1,749 in 2020-2024. Nursery school enrollment was 79 and kindergarten through 12th grade enrollment was 897. College or graduate school enrollment was 773.

Educational Attainment of People in 95010 in 2020-2024

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Percent
Less than high school diploma 8.8
High school diploma or equivalency 11.9
Some college, no degree 18.3
Associate's degree 12.7
Bachelor's degree 29.4
Graduate or professional degree 18.9

Disability

In 95010, among the civilian noninstitutionalized population in 2020-2024, 18.6 % reported a disability. The likelihood of having a disability varied by age - from 11.8% of people under 18 years old, to 14% of people 18 to 64 years old, and to 32.6% of those 65 and over.


Employment Status and Type of Employer

In 95010, 60.8 % of the population 16 and over were employed; 38.1% were not currently in the labor force.

An estimated 70.2% of the people employed were private wage and salary workers; 17% were federal, state, or local government workers; and 12.8 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 3,273 70.2
Federal, state, or local government workers 793 17
Self-employed workers in own not incorporated business 599 12.8

Industries

In 2020-2024, the civilian employed population 16 years and older in 95010 worked in the following industries:

Percent by Industry in 95010 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 0.5
Construction 7.1
Manufacturing 9
Wholesale trade 0.9
Retail trade 9.5
Transportation and warehousing, and utilities 2.6
Information 2.9
Finance and insurance, and real estate and rental and leasing 6.4
Professional, scientific, and management, and administrative and waste management services 16.7
Educational services, and health care and social assistance 27.2
Arts, entertainment, and recreation, and accommodation, and food services 10.6
Other Services, except public administration 4.3
Public administration 2.2

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 95010 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 2,454 52.6
Service occupations 901 19.3
Sales and office occupations 843 18.1
Natural resources, construction, and maintenance occupations 277 5.9
Production, transportation, and material moving occupations 190 4.1

Commuting to Work

An estimated 53.5% of 95010 workers drove to work alone in 2020-2024, and 6.4% carpooled. Among those who commuted to work, it took them on average 23.3 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 95010 in 2020-2024

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Percent
Car, truck, van -- drove alone 53.5
Car, truck, van -- carpooled 6.4
Public transportation (excluding taxicab) 1.2
Walked 4.8
Other means 5.3
Worked from home 28.8

In 2020-2024, 95010 had a total of 4,838 housing units. Of these housing units, 43.5% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 46.7% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 9.8% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 95010 in 2020-2024

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Percent
Single-family houses 43.5
Apartments in multi-unit structures 46.7
Mobile homes 9.8
Boat, RV, van, etc 0

5.3% of the housing inventory was comprised of houses built since 2010, while 8% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 95010 was 4.4 rooms, and of these housing units 29.6% had three or more bedrooms.


In 2020-2024, 95010 had 4,242 housing units that were occupied or had people living in them, while the remaining 596 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 48.9% while renters occupied 51.1%. The average household size of owner-occupied houses was 1.94 and in renter-occupied houses it was 2.09.

3.9% of householders of these occupied houses had moved into their house since 2021, while 7.4% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 6.9% and another 9.7% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 95010:

House Heating Fuel Used in 95010 in 2020-2024

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Percent
Gas 67.1
Electricity 27.7
Fuel oil, kerosene, etc 0
All other fuels 3.1
No fuel used 2.1

In 2020-2024, the median property value for owner-occupied houses in 95010 was $828,700.

Of the owner-occupied households, 55.7 % had a mortgage. 44.3% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $3,302 and for owners without a mortgage it was $911.

For renter-occupied houses, the median gross rent for 95010 was $2,503. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.