Property Tax & Hazard Risk Record: ZIP Code 95041, Santa Cruz County
What owning here costs and what the federal hazard record says. Every figure below carries its source, its vintage, and its margin of error. Nothing is modelled or predicted.
Median property tax paid
Census survey estimate for the whole ZIP code area, not a bill for any property.
Median home value
0.59% effective rate — median tax divided by median value.
Composite hazard rating
FEMA’s own rating for this area, apportioned from census tracts by population. Planning purposes only.
How 95041 compares across California
Where this ZIP code’s figures fall among the other ZIP codes in California with a comparable estimate. Capped or floored figures and estimates with a wide margin of error are left out on both sides, so a position is stated only where the survey supports one.
- Effective property tax rate: higher than about 20% of 1,358 comparable ZIP codes in California.
- Median property tax paid: higher than about 70% of 1,386 comparable ZIP codes in California.
- Median home value: higher than about 75% of 1,474 comparable ZIP codes in California.
Source: US Census ACS 5-Year, tables B25103 and B25077, 2020-2024. How this was derived
Hazard breakdown
Six hazards from the FEMA National Risk Index for 95041.
| Inland flooding | Very High |
| Coastal flooding | No rating published |
| Wildfire | Relatively Moderate |
| Hurricane | Not applicable here |
| Strong wind | Very Low |
| Tornado | Very Low |
Source: FEMA National Risk Index, December 2025. How this was derived
How this rate compares
Median effective property tax rate for this ZIP code, its county, and its state.
0%scale to 2.5%
Source: US Census ACS 5-Year, tables B25103 and B25077, 2020-2024. How this was derived
Monthly cost of owning here
Not included until you add it. This site publishes no insurance prices, because no free authoritative source exists; enter an annual premium from an insurer to include it.
Principal and interest use the price, down payment and interest rate you enter, over 30 years. Property tax applies this ZIP code’s effective tax rate from the US Census American Community Survey. Not a loan estimate.
Nearby ZIP codes
Ranked by distance between Census internal points.
More ZIP codes in Santa Cruz County
Other ZIP codes in the same county, by code. Each has its own record.