Best Places95010, CA Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 95010, scored on 40 measures of daily life and ranked to fit what matters to you. The coast is close, and the measures below put a number on how close. To work out which city fits you best, start with the best places to live tool.
95010 ranks 4,884th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on biking by a wide margin, and childcare costs are the weak spot.
The best neighborhoods in 95010
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
95010's strengths and weaknesses
Where 95010 ranks high
- BikingBetter than 98% of zip codes
- Nice weatherabout 200 pleasant days a year, better than 97% of zip codes
- WalkabilityBetter than 96% of zip codes
- Air qualityBetter than 96% of zip codes
- TransitBetter than 94% of zip codes
Where 95010 ranks low
- Cheap childcare$1,701 a month, better than only 2% of zip codes
- Low income/sales/gas taxBetter than only 10% of zip codes
- Disaster safetyBetter than only 10% of zip codes
- State fiscal healthBetter than only 20% of zip codes
- Heat safetyBetter than only 23% of zip codes
What it costs to buy a home in 95010
A household needs to earn about $264,000 a year to comfortably buy the median 95010 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $108,113, so buying stretches a typical household.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 95010's effective rate of 0.65%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 95010
95010 runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 95010.
Who works in 95010, and how
Work in 95010 centers on health care & social and professional & technical. Unemployment is low, and the job base is shrinking.
Largest industries
How people get to work
- Drive or carpool 63%
- Work from home 26%
- Transit, walk, or bike 11%
Life in 95010
95010 has more restaurants and bars per resident than 91% of zip codes. The coast is about 0 minutes away. That concentrates in some parts of 95010 and thins out in others, which the map shows.
What the weather is like in 95010, month by month
95010 sees roughly 200 pleasant days a year. July highs average about 73 degrees. January highs sit near 63, with lows near 40. The comfortable stretch runs April through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 63° | 50° | 40° |
| April | 68° | 55° | 44° |
| July | 73° | 60° | 53° |
| October | 77° | 60° | 48° |
Flying in and out of 95010
Norman Y Mineta San Jose International sits about 27 miles away. It is a medium hub and boarded 5.3 million passengers in 2025, with 67 nonstop destinations.
The best schools in and around 95010
Schools across 95010 average a B, better than 66% of zip codes.
Top middle schools
- Shoreline MiddleD · 20% proficient
Top high schools
- Soquel HighA− · 65% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 95010 school and its grade on SchoolGrade.
95010 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 95010 against the other 33,109 zip codes.
Common questions about living in 95010
Is 95010 a good place to live?
Using BestNeighborhood's default rankings, 95010 ranks 4,884th of 33,110 zip codes. It scores highest on biking, the weather, and walkability, and lowest on childcare costs and taxes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 95010 expensive to live in?
The median home is worth $1,030,928. The overall cost of living runs about 44% above the national average. Set against a $108,113 median income, cost of living beats 44% of zip codes.
Is 95010 safe?
95010 is safer than 25% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $450 per resident a year.
Compare 95010 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 95010. Scores are absolute rather than ranked, which means a 60 in 95010 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
95010 detail on BestNeighborhood maps:
- Walk Grade for 95010: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 95010: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 95010: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 95010: carrier by carrier coverage behind the cell score.
95010 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.