COUNTY REPORT CA

Santa Cruz County, California

22 ZIP codes · Avg score 73/100 · Grade B

ZipCheckup grade for Santa Cruz County: B.

This ZIP has a few items worth a quick check.

Looking at the composite Home Safety Score, Santa Cruz County comes out in the A-B range, and the reports for its 22 ZIP codes show which data sit behind that result.

How Santa Cruz County Compares

Santa Cruz County73/100
California avg76/100
National avg73/100

How Santa Cruz County Compares

B
County Grade
73/100
Avg Safety Score
22
ZIP Codes
18
Water Systems

Santa Cruz County scores 3 points below the California state average (76/100) and 0 points above the national average (73/100).

Data: ZipCheckup Home Safety Score model 4.0.0; EPA SDWIS, UCMR 5, EPA radon zones, EPA AirData

B
County Grade
73
Avg Safety Score
22
ZIP Codes
Best ZIP: 95003 (83/100)
Lowest ZIP: 95033 (53/100)
$993K
Median Home Value
$738
Avg Remediation (0.07% of home value)

ZIP Code Risk Map

Water Quality Map: Santa Cruz County, California

Each dot represents a ZIP code. Color indicates water quality grade. Tap a dot for details.

A B C D F

Key Risk Factors

Health risk index: 10.8 (asthma 9.8%, diabetes 10.2%)

Modeled additional annual cost estimate per homeowner: $3,270, largest modeled factor: Flood

65% of homes built before 1980 (lead paint was banned for residential use in 1978)

County Health Indicators vs National Average

Asthma 9.8% (national: 8.9%)
Diabetes 10.2% (national: 10.5%)
Obesity 25.8% (national: 32.4%)

Black markers indicate national averages. Source: CDC PLACES, Census ACS.

Infrastructure Overview

1975
Median Build Year
65%
Pre-1980 Housing
45/100
Infrastructure Stress Indicator
73%
ZIPs with High Infrastructure Stress
High
Lead Pipe Risk

Modeled area-level indicator, not a failure probability. Sources: Census ACS housing age, EPA DWINSA infrastructure needs, EPA SDWIS violations, and EPA lead indicators.

Compound Risk Breakdown

Estimated additional annual cost per homeowner: $3,270

Flood $1,482/yr
Sea Level Rise $1,109/yr
Energy Code Gap $508/yr

Bar widths proportional to share of total annual risk cost. Source: compound risk model (FEMA, EPA, USGS).

Housing Age Distribution

111,762 housing units in Santa Cruz County

Pre-1940 12%
1940–1959 18%
1960–1979 35%
1980–1999 24%
2000+ 11%

Source: U.S. Census Bureau ACS B25034 (Year Structure Built).

Water Safety Affordability

How much it costs to fix water issues relative to home values in Santa Cruz County

$993K
Median Home Value
$738
Est. Remediation Cost
0.1%
of Home Value
Remediation as % of home value low burden

Modeled remediation costs in Santa Cruz County can be compared with the median property value; actual costs vary by property.

Remediation includes water filtration, lead abatement, radon mitigation, and flood protection where applicable. Source: Census ACS, EPA SDWIS.

Health Outcomes vs National Average

CDC PLACES data for Santa Cruz County residents

Asthma 9.8% (US avg: 8.9%)
Diabetes 10.2% (US avg: 11%)
Obesity 25.8% (US avg: 32.4%)

Black markers = national averages. Red = above national avg. Green = below. Source: CDC PLACES, Census ACS.

Water systems mapped to Santa Cruz County ZIP codes

8 community water systems mapped to Santa Cruz County ZIP codes; EPA may list more systems serving the county.

Show all 8 water systems

18 water systems mapped to Santa Cruz County ZIP codes in our data; EPA may list more systems serving the county.

Systems with the most violations in Santa Cruz County

5 water systems with violations in EPA records.

All ZIP Codes in Santa Cruz County

22 ZIP codes tracked in Santa Cruz County.

# ZIP Code City Safety Score Grade Violations Home Value
1 95003 Aptos 83 B 1 $1154K
2 95010 Capitola 83 B 0 $782K
3 95062 Santa Cruz 83 B 0 $1065K
4 95064 Santa Cruz 83 B 0 $438K
5 95073 Soquel 77 B 10 (3 health) $1012K
6 95005 Ben Lomond 75 B 5 (2 health) $959K
7 95007 Brookdale 75 B 5 (2 health) $790K
8 95018 Felton 71 B 8 (3 health) $778K
9 95006 Boulder Creek 68 C 18 (3 health) $779K
10 95060 Santa Cruz 68 C 18 (3 health) $1189K
11 95019 Freedom 67 C 0 $678K
12 95066 Scotts Valley 67 C 14 (4 health) $1113K
13 95076 Watsonville 64 C 4 $767K
14 95033 Los Gatos 53 D 23 (5 health) $1285K
15 95001 Aptos — — —
16 95017 Davenport — — 12 (1 health) $993K
17 95041 Mount Hermon — — 8 (3 health) $1060K
18 95061 Santa Cruz — — —
19 95063 Santa Cruz — — —
20 95065 Santa Cruz — — 0 $1192K
21 95067 Scotts Valley — — —
22 95077 Watsonville — — —

Recommended Buyer Guides for Santa Cruz County

Up to five guides, picked by rule.

Overview

Santa Cruz County in California covers 22 tracked ZIP records with an average Home Safety Score of B (73/100) across 14 scored records.

12 of 17 ZIP codes with a reported violation count in the available EPA record have recorded EPA violations. 9 health-based violations appear in the available health breakdown.

← Back to California Home Safety Profile

Data Sources

Reporting periods vary by source. Missing data is shown as unavailable, not as zero.

Frequently Asked Questions

Is water safe in Santa Cruz County?
Santa Cruz County receives an average Home Safety grade of B from its scored ZIP records (22 ZIP codes tracked); this is a composite index, not a tap-water test.
How many water systems serve Santa Cruz County?
We map 18 public water systems to 22 ZIP codes in our data for Santa Cruz County. EPA may list more systems serving the county, so this is not a full count.
What is the biggest environmental risk in Santa Cruz County?
In ZipCheckup's cost model, the factor with the largest estimated average annual cost in Santa Cruz County is flood. Across all modeled risk factors, the estimated average additional annual cost is $3,270 per homeowner; actual costs vary by home.
How old are homes in Santa Cruz County?
The median home build year in Santa Cruz County is 1975. 65% of homes were built before 1980; homes built before 1978 may contain lead-based paint, and older homes may have older plumbing materials.
How does Santa Cruz County compare to California?
Santa Cruz County has an average Home Safety Score of 73/100 under model 4.0.0, which is below the California state average of 76/100.

How to cite this page

APA ZipCheckup. (2026). Santa Cruz County, CA: HSS 73/100; 9 Health Violations. https://zipcheckup.com/county/california/santa-cruz/
BibTeX
@misc{zipcheckup-county-california-santa-cruz,
  author = {{ZipCheckup}},
  title  = {{Santa Cruz County, CA: HSS 73/100; 9 Health Violations}},
  year   = {2026},
  url    = {https://zipcheckup.com/county/california/santa-cruz/}
}

Page version: October 2026.

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