Twin Lakes CDP (Santa Cruz County), CA

California · Metropolitan Area

Twin Lakes CDP (Santa Cruz County) is a small town in California with a population of 4,895. Residents earn $81,288 per year, which is 8% above the national average.

3.3 /5.0
B Good
4,895 Population 7,094/sq mi density
$81,288 Median Income $61,328 per capita
$958,300 Home Value
$2,221 Median Rent
59°F Avg Temperature
B
Overall
3.3 / 5.0
Good overall score based on economy, affordability, safety and education
A
Economy
4.2 / 5.0
$81,288 median income, 3.1% unemployment
F
Affordability
1.0 / 5.0
$958,300 home value, $2,221/mo rent
A+
Education
4.8 / 5.0
47.4% bachelor's degree or higher
Median Income $81,288
8% higher than US avg
Home Value $958,300
240% higher than US avg
Bachelor's+ 47.4%
41% higher than US avg
Median Rent $2,221
91% higher than US avg
Unemployment 3.1%
14% lower than US avg
Poverty Rate 10.8%
13% lower than US avg

How Twin Lakes CDP (Santa Cruz County) Compares to the U.S. Average (100% = U.S. avg)

People

Population4,895
Median Age41.5 yrs
Density7,094/mi²
Male / Female46% / 54%
Largest GroupWhite 78%

Economy

A
Median Income$81,288
Per Capita$61,328
Unemployment3.1%
Poverty10.8%
County GDP$3,285M
Commute21 min

Housing

F
Home Value$958,300
Rent$2,221
OwnershipN/A

Crime

ViolentN/A
PropertyN/A

Health

ObesityN/A
UninsuredN/A

Climate

Avg Temp59°F
AQI48 (Good)
Rain30.6 in/yr
Elevation26 ft

Education

A+
Bachelor's+47.4%
High School+94.6%
School Score4.69

Community

2024 VoteR 42% / D 55%
Commute21 min
Libraries3

Is Twin Lakes CDP (Santa Cruz County) a Good Place to Live?

Based on current data, Twin Lakes CDP (Santa Cruz County) receives an overall livability score of 3.3 out of 5.0, earning a grade of B. Key strengths include low unemployment, a highly educated population. Areas to be aware of include high housing costs. Twin Lakes CDP (Santa Cruz County) offers a solid quality of life with a good balance of affordability, safety, and opportunity.

Economy & Jobs

The median household income in Twin Lakes CDP (Santa Cruz County) is $81,288, roughly in line with the national average of $75,149. Unemployment stands at 3.1%, indicating a healthy job market. 10.8% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 21 minutes.

Cost of Living & Housing

The median home value in Twin Lakes CDP (Santa Cruz County) is $958,300, making it a premium housing market at 240% above the U.S. median of $281,900. Renters pay a median of $2,221 per month, significantly above the national average of $1,163. With a home price-to-income ratio of 11.8x, housing affordability is a significant challenge for many families.

Education

Educational attainment is solid, with 47.4% holding a bachelor's degree or higher, near the national average. 94.6% have completed high school. Area schools have an average test score of 4.7/10.

Climate & Weather

Twin Lakes CDP (Santa Cruz County) enjoys a moderate climate with an average annual temperature of 59°F. Winters average 52°F in January while summers reach 64°F in July. Annual precipitation totals 30.6 inches. Air quality is rated Good with a median AQI of 48.

Twin Lakes CDP (Santa Cruz County) has a population of 4,895 with a density of 7,094 people per square mile. The median age is 41.5 years, 7% older than the national median of 38.9. The city is predominantly White (77.5%), with 2.3% Hispanic, 2.1% Black.

Population

4,895
Total Population
7,094
People / sq mi
41.5yrs
Median Age
7% above US avg
0.7mi²
Land Area

Gender Distribution

Male 45.8%
Female 54.2%

Race & Ethnicity

Twin Lakes CDP (Santa Cruz County) vs U.S. Average

Language Spoken at Home

English Only78.8%
0% below US avg
Spanish21.2%
58% above US avg

Social Characteristics

Twin Lakes CDP (Santa Cruz County) vs U.S. Average

The median household income in Twin Lakes CDP (Santa Cruz County) is $81,288, which is 8% above the national average of $75,149. The unemployment rate is 3.1% (below the 3.6% US average). 10.8% of residents live below the poverty line. Workers commute an average of 21 minutes.

Income: Twin Lakes CDP (Santa Cruz County) vs U.S.

Commute Mode

Income

Median HH Income$81,288
8% above US avg
Per Capita Income$61,328
Avg Weekly Wage$1,154
IRS Avg AGI$88,750

Employment & Poverty

Unemployment3.1%
14% below US avg
Poverty Rate10.8%
13% below US avg
Establishments (County)1,930
County GDP$3,285M

Business (County)

Restaurants113
Healthcare110
Retail120
Manufacturing68

Tax & Cost of Living

Property Tax (IRS)$7,874
125% above US avg
Effective Tax Rate0.82%

Commute & Transportation

Commute Time21.0 min
Work from Home12.5%

Walkability

The median home value in Twin Lakes CDP (Santa Cruz County) is $958,300, 240% above the national average. Monthly rent averages $2,221 (91% above US avg).

Home Value Sources

Ownership Split

Home Values

Census Median$958,300
240% above US avg

Real Estate Market (Redfin)

Rental Costs

Census Median Rent$2,221
91% above US avg

HUD Fair Market Rent

Studio$1,513
1 Bedroom$1,647
2 Bedrooms$2,053
3 Bedrooms$2,752
4 Bedrooms$3,165

Ownership & Property

Owner-Occupied40.8%

Property Tax

Avg Tax (IRS)$7,874
125% above US avg
Effective Rate0.82%

Health Metrics: Twin Lakes CDP (Santa Cruz County) vs U.S. Average (%)

Chronic Conditions

Behaviors & Mental Health

Healthcare Access

Insurance Rate90.6%
Premature Death6,316/100K

Food & Exercise

Food Environment8.9/10
Exercise Access83.6%
Healthcare Facilities110

Crime Rates: Twin Lakes CDP (Santa Cruz County) vs U.S. Average (per 100,000)

Violent Crime

Property Crime

Traffic Safety

Fatal Crashes (County/yr)18

Safety Score

Twin Lakes CDP (Santa Cruz County) has an average annual temperature of 59°F (15°C). Winters average 52°F in January while summers reach 64°F in July. Annual precipitation is 30.6 inches. Air quality is rated Good with a median AQI of 48.

Temperature

52°F Jan (11°C) 64°F Jul (18°C)
Annual Average58.7°F
9% above US avg
January Average52°F (11°C)
July Average64°F (18°C)

Precipitation & Snow

Annual Rainfall30.6 inches
19% below US avg
Snowfall0.0 inches/yr

Air Quality

AQI Median48.0
RatingGood

Geography

Elevation26 ft (8 m)
Area0.7 sq mi (1.8 km²)
Population Density7,094/sq mi
Coordinates36.9614°N, 121.9917°W
County FIPS06069
It is classified as Metro — 1 million+. 47.4% of residents hold a bachelor's degree or higher (41% above US avg). In the 2024 election, the county voted Democrat by a 12.6-point margin.

2024 Presidential Election (County)

R 42.3%
D 54.9%

Winner: Democrat by 12.6 points

Education

Bachelor's Degree+47.4%
41% above US avg
High School+94.6%
School Test Score4.69
A+ Education Grade (4.8/5.0)

Urban-Rural Classification

RUCC Code 1Metro — 1 million+
Population Density7,094/sq mi
Total Area0.7 sq mi

Infrastructure & Services

Public Libraries3
Healthcare Facilities110
Restaurants113
Retail Stores120

Safety & Disasters

Fatal Crashes (County/yr)18

Commute & Transportation

Avg Commute21.0 min
Work from Home12.5%

Nearby Cities

Pleasure Point, CA 5,813 pop · 1.2 mi Live Oak, CA 9,264 pop · 1.8 mi Capitola, CA 9,813 pop · 2.3 mi Santa Cruz, CA 60,953 pop · 2.6 mi Soquel, CA 10,691 pop · 3.5 mi Seacliff, CA 3,488 pop · 4.2 mi Aptos, CA 6,124 pop · 5.8 mi Rio del Mar, CA 8,938 pop · 5.9 mi Scotts Valley, CA 12,138 pop · 6.6 mi Mount Hermon, CA 1,203 pop · 7.1 mi
Compare Twin Lakes CDP (Santa Cruz County) with another city: