Santa Cruz County, CA
FIPS: 06087
Median HAM
28.7x
Very High
Jul 2023
Minimum HAM
41.1x
Very High
Jan 2026
HAM Burden
153%
Very High
Dec 2025
Not enough historical data to show a trend chart for this county.
Economic Profile
BEA GDP data (2024)
GDP Per Capita
$77,871
National avg: ~$82,000
Total GDP
$21.1B
Thousands of current $
Population
270,861
2020 Census
Top Industries by GDP
Real estate and rental and leasing19.9%
Manufacturing17.1%
Government and government enterprises12.4%
Health care and social assistance9.6%
Retail trade7.2%
Data Breakdown
Median HAM
Data as of Jul 2023
Median Home Price
$1,015,200
Census ACS
Gross Median Income
$46,104
Census ACS
Net Median Income
$35,340
Calculated
Median HAM
28.73x
Minimum HAM
Data as of Jan 2026
Median Home Price
$1,101,425
Redfin
Min Wage (Hourly)
$16.50/hr
State labor data
Net Min Wage Income
$26,815
Calculated
Minimum HAM
41.08x
HAM Burden
Data as of Dec 2025
Monthly Rent
$3,424
Zillow ZORI
Min Wage (Hourly)
$16.50/hr
State labor data
Monthly Net Min Wage
$2,235
Calculated
HAM Burden
153.2%
Methodology: HAM = Home Price / Net Annual Income. Net income assumes single filer, standard deduction, 2,080 hrs/yr for minimum wage. Federal + state tax + FICA deducted. Home price source priority: Zillow ZHVI > Redfin > Census ACS.