Oakland receives the higher standardized Area Score. That reflects AreaProfile's weighting, not a judgment about which place is better to live in.
Signals
Santa Cruz
Oakland
Opportunity
50 · Bottom 36%
vs50 · Bottom 37%
Growth
61 · Top 31%
vs52 · Top 46%
Climate
81 · Top 15%
vs85 · Top 9%
Physical resilience
24 · Bottom 18%
vs36 · Bottom 29%
Housing affordability
38 · Bottom 3%
vs43 · Bottom 6%
Access
87 · Bottom 34%
vs99 · Top 8%
Economic stability
45 · Bottom 24%
vs58 · Bottom 46%
Measured values
| Metric | Santa Cruz | Oakland | Source period |
|---|---|---|---|
| Population | 61,607 | 439,418 | 2024 ACS 5-Year |
| Median household income | $115,475 | $101,600 | 2024 ACS 5-Year |
| Per capita income | $55,676 | $61,757 | 2024 ACS 5-Year |
| Population density | 4,836/sq mi | 7,852/sq mi | 2024 ACS 5-Year |
| Median home value | $1,209,000 | $929,900 | 2024 ACS 5-Year |
| Median gross rent | $2,452 | $1,979 | 2024 ACS 5-Year |
| Homeownership rate | 48.4% | 42.3% | 2024 ACS 5-Year |
| Unemployment rate | 5.1% | 4.6% | June 2026 |
| Employment change (year over year) | -2.0% | -1.7% | June 2026 |
| Bachelor's degree or higher | 57.6% | 48.7% | 2024 ACS 5-Year |
| Poverty rate | 17.0% | 13.4% | 2024 ACS 5-Year |
| Housing units permitted (12 months) | 417 | 991 | 12 months ending July 2026 |
| Permits per 1,000 residents | 6.8 | 2.3 | 12 months ending July 2026 |
| Permit change (year over year) | 390.6% | 240.5% | 12 months ending July 2026 |
| Average July high | 72°F | 72°F | 1991-2020 Normals |
| Average January low | 40°F | 42°F | 1991-2020 Normals |
| Annual precipitation | 22.4" | 18.7" | 1991-2020 Normals |
| Distance to major airport | 27 mi | 3 mi | NASR current cycle |
| Average commute | 24.7 min | 32.5 min | 2024 ACS 5-Year |
| Median age | 31.1 | 37.9 | 2024 ACS 5-Year |
| Public schools | 14 | 132 | 2024-25 school year |
| Students per teacher | 20.65 | 19.52 | 2024-25 school year |
| Free or reduced-price lunch eligibility | 47.3% | 73.6% | 2024-25 school year |
A bolded value is the more favorable of the two where the metric has a clear direction. Metrics like population and density have no inherent better or worse and are shown unweighted.
Physical risk tradeoff
Santa Cruz
Elevated or high exposure: drought, earthquake, inland flooding.
Oakland
Elevated or high exposure: earthquake, inland flooding.
Your best match
Weight what matters to you. Your preferences stay in this browser and never change either Area Score.
Santa Cruz
55
Your Score
51
Area Score
Oakland
61
Your Score
55
Area Score
Select your priorities to see which of the two fits them better.
Full profiles: Santa Cruz, CA · Oakland, CA · How this is calculated: methodology