Is Santa Cruz a Good Place to Live? Pros & Cons

by Rentals Editorial Team | Published: Oct 25, 2023

Welcome to Santa Cruz, a coastal city located in the state of California. Situated on the northern edge of Monterey Bay, Santa Cruz offers residents breathtaking views of the Pacific Ocean. The city is surrounded by natural beauty, with the Santa Cruz Mountains to the north and lush redwood forests nearby. Within close proximity to Santa Cruz are several other interesting cities worth exploring, such as San Francisco and Monterey. Whether you’re interested in outdoor activities, arts and culture, or simply enjoying the stunning scenery, Santa Cruz has something for everyone.

Geography, state and nearby cities

Santa Cruz is a coastal city located in the state of California. Situated on the northern edge of Monterey Bay, it offers residents breathtaking views of the Pacific Ocean. The city is surrounded by natural beauty, with the Santa Cruz Mountains to the north and lush redwood forests nearby.

Within close proximity to Santa Cruz are several other interesting cities worth exploring. To the north, you’ll find San Francisco, a vibrant metropolis known for its iconic Golden Gate Bridge and diverse cultural scene. To the south lies Monterey, famous for its historic waterfront district and world-class aquarium.

If you prefer a smaller town feel, Capitola is just a few miles east of Santa Cruz. This charming coastal village is known for its colorful beachside houses and quaint shops. Additionally, Aptos is another nearby town that offers a relaxed atmosphere and beautiful coastal scenery.

Climate and weather

Santa Cruz enjoys a mild Mediterranean climate, characterized by warm summers and mild winters. The city experiences an average high temperature of around 70°F (21°C) during summer months and rarely sees temperatures below freezing in winter.

The coastal location of Santa Cruz means that fog can be quite common throughout the year, especially in mornings and evenings. However, this fog usually burns off by midday to reveal sunny skies. The ocean breeze keeps temperatures comfortable even during hot summer days.

Rainfall in Santa Cruz primarily occurs during the winter months between November and March. The city receives an average annual rainfall of around 30 inches (76 cm).

Culture, entertainment and activities

Santa Cruz offers a thriving arts scene with numerous galleries, theaters, and music venues. The city is home to several museums, including the Santa Cruz Museum of Art and History and the Santa Cruz Museum of Natural History.

Outdoor enthusiasts will find plenty of opportunities for recreation in Santa Cruz. The city boasts several beautiful parks and beaches, such as Natural Bridges State Beach and Lighthouse Field State Beach. Surfing, hiking, and cycling are popular activities among residents.

In addition to its natural beauty, Santa Cruz offers a variety of entertainment options. The Santa Cruz Beach Boardwalk is a historic amusement park that features thrilling rides, games, and delicious treats. The city also hosts numerous annual events, including the Santa Cruz Shakespeare Festival and the Santa Cruz County Fair.

Santa Cruz: A Natural Paradise

Santa Cruz is an absolute haven for nature lovers and outdoor enthusiasts. With its stunning coastal location and proximity to the Santa Cruz Mountains, residents have access to a wide range of outdoor activities.

From the iconic Santa Cruz Beach Boardwalk to the breathtaking shores of Natural Bridges State Beach, there is no shortage of places to explore and soak in the natural beauty. Hiking, biking, and camping opportunities abound in nearby parks like Henry Cowell Redwoods State Park and Wilder Ranch State Park.

Surfers flock to Santa Cruz for its legendary waves, making it a popular destination for those who enjoy riding the ocean’s swells. Additionally, avid birdwatchers will find delight in spotting a variety of migratory birds at the renowned Elkhorn Slough National Estuarine Research Reserve.

A Glimpse into Santa Cruz’s Colorful Past

Santa Cruz has a rich history that dates back centuries. Originally inhabited by the Ohlone Native American people, Spanish explorers arrived in the late 18th century and established Santa Cruz as one of California’s first missions.

The city’s fascinating past can be explored through its well-preserved historic sites such as Mission Santa Cruz and the Santa Cruz Museum of Art & History. These landmarks offer glimpses into different periods of Santa Cruz’s evolution, showcasing architectural styles from Spanish Colonial Revival to Victorian charm.

During the Gold Rush era, Santa Cruz experienced rapid growth as people flocked to the area in search of fortune. This era left its mark on downtown Santa Cruz with several historic buildings still standing today.

A Vibrant Hub of Culture and Arts

Santa Cruz is renowned for its vibrant cultural scene and flourishing arts community. The city is home to numerous galleries, theaters, and performance venues that showcase the talents of local artists.

The Tannery Arts Center, a former tannery turned art community, serves as a hub for creativity, housing artist studios, galleries, and performance spaces. The Santa Cruz Museum of Art & History also plays a pivotal role in promoting visual and contemporary arts through its exhibitions and events.

Music lovers flock to Santa Cruz for its lively music scene. From the iconic Catalyst Club to smaller intimate venues like Kuumbwa Jazz Center and Moe’s Alley, there is always live music playing in the city.

Furthermore, cultural festivals such as the Santa Cruz Film Festival and the Cabrillo Festival of Contemporary Music bring together artists from various disciplines and attract visitors from near and far.

City entertainment

Santa Cruz offers a vibrant and diverse entertainment scene that caters to a wide range of interests. Whether you enjoy outdoor activities or prefer indoor cultural experiences, this city has it all.

If you are an outdoor enthusiast, you can explore the stunning natural beauty of Santa Cruz with its numerous hiking trails, beaches, and parks. The iconic Santa Cruz Beach Boardwalk is also a must-visit destination for thrill-seekers and families looking for amusement park fun.

For those interested in arts and culture, Santa Cruz boasts a thriving music and arts scene. From local art galleries and theaters to live music venues that showcase both emerging and established artists, there is always something exciting happening in the city.

In addition, Santa Cruz hosts various festivals and events throughout the year that highlight its unique cultural heritage. The Santa Cruz Shakespeare Festival, Cabrillo Festival of Contemporary Music, and Open Studios Art Tour are just a few examples of the vibrant events that take place in this city.

Local sights, attractions, events, and things to do

Santa Cruz is home to an array of attractions and sights that cater to all interests. Whether you are a nature lover or history enthusiast, there is something for everyone in this beautiful coastal city.

The world-famous Monterey Bay National Marine Sanctuary offers breathtaking views of marine life through activities such as whale watching tours or kayaking adventures. If you prefer land-based adventures, the Mystery Spot is a unique attraction where gravity seems distorted.

History buffs will enjoy exploring the historic Santa Cruz Mission State Historic Park or taking a stroll along Pacific Avenue which is lined with charming Victorian buildings turned into shops and restaurants.

If you are seeking family-friendly activities, visit the Seymour Marine Discovery Center or spend a day at Natural Bridges State Beach, known for its picturesque rock formations.

Throughout the year, Santa Cruz hosts a variety of events that draw locals and visitors alike. These range from food and wine festivals to art fairs and music concerts. No matter the time of year, there is always something exciting happening in Santa Cruz.

Job opportunities

Santa Cruz offers a diverse range of job opportunities across various industries. The city’s close proximity to Silicon Valley has led to a growing technology sector, with companies such as Plantronics and Looker having a presence in the area.

The University of California, Santa Cruz is also a significant employer in the city, providing employment opportunities in education and research fields. Other major employers include the County of Santa Cruz, Dominican Hospital, and Pacific Gas and Electric Company.

The overall economy of Santa Cruz is robust with an average household income that surpasses the national average. The city provides ample job opportunities while maintaining a desirable work-life balance thanks to its natural beauty and outdoor recreational activities.

While like any other city, Santa Cruz faces unemployment challenges at times, it strives to create an environment conducive to job growth through initiatives supporting entrepreneurship and small businesses.

Santa Cruz: State and Local Taxes

Santa Cruz, located in California, has a relatively high cost of living which is reflected in its taxes. As a resident of Santa Cruz, you will be subject to both state and local taxes.

State Taxes:

  • California has a progressive income tax system with nine tax brackets, ranging from 1% to 13.3% for the highest earners.
  • Sales tax in Santa Cruz County is currently 8.75%, though it may vary slightly depending on specific locations within the county.
  • Property taxes are based on the assessed value of your property and are set at a rate of 1% plus additional taxes for local assessments.

Local Taxes:

  • Santa Cruz County imposes an additional local sales tax of 0.5%, bringing the total sales tax rate to 9.25% in most areas of the city.
  • Utility users’ tax is levied on various utility services such as electricity, gas, water, and telecommunications.

Education System in Santa Cruz

Santa Cruz offers a diverse range of educational opportunities for residents, with several colleges and universities located both locally and nearby.

Colleges and Universities in Santa Cruz:

  • University of California, Santa Cruz (UCSC): A prestigious public research university known for its beautiful campus nestled amidst redwood forests. UCSC offers undergraduate and graduate programs across various disciplines.

Nearby Colleges and Universities:

  • Cabrillo College: Located in Aptos, just outside Santa Cruz, Cabrillo College offers associate degrees and vocational programs.

City’s Public Transportation and Traffic

Santa Cruz provides several options for public transportation, making it relatively convenient to get around the city and beyond.

Public Transportation:

  • Santa Cruz Metro: The local bus service in Santa Cruz County, operated by Santa Cruz Metropolitan Transit District (SCMTD). It connects various neighborhoods within Santa Cruz and extends to neighboring cities.

Traffic:

  • Santa Cruz experiences moderate traffic congestion during peak hours, particularly on major roadways like Highway 1. However, compared to larger metropolitan areas, the traffic is relatively manageable.

Airports:

  • Mineta San Jose International Airport (SJC): Located approximately 30 miles north of Santa Cruz, SJC is the nearest major airport offering domestic and international flights.
  • San Francisco International Airport (SFO): Situated about 60 miles north of Santa Cruz, SFO is another viable option for air travel with a wider range of flight connections.

Neighborhoods in Santa Cruz

Discover the vibrant neighborhoods within the city of Santa Cruz:

  • Downtown Santa Cruz

    The heart of the city featuring an array of shops, restaurants, and entertainment venues. It offers a lively atmosphere and convenient access to various amenities.

  • Westside

    A charming neighborhood known for its mix of Victorian-style homes and modern housing developments. The Westside offers proximity to the beach and popular surf spots.

  • Seabright

    This coastal neighborhood is home to the Santa Cruz Beach Boardwalk and boasts beautiful beaches, parks, and a lively local scene.

  • Live Oak

    Located just east of Santa Cruz, Live Oak offers a quieter and more residential environment with access to scenic parks and close proximity to Pleasure Point for surfing enthusiasts.

  • Eastside

    The Eastside is known for its diverse community, vibrant artistic scene, and historic architectural charm. It offers a mix of residential areas and commercial establishments.

  • Scotts Valley

    Situated just north of Santa Cruz, Scotts Valley is known for its family-friendly neighborhoods, excellent schools, and beautiful natural surroundings.

Is Santa Cruz a Family Friendly City?

Santa Cruz is a vibrant and family-friendly city offering a range of activities and amenities that make it an ideal place to raise a family. The city has numerous parks and playgrounds where children can play and enjoy the outdoors. Families can also visit the Santa Cruz Beach Boardwalk, which features thrilling rides, games, and beautiful sandy beaches.

Santa Cruz is known for its excellent school system, with several top-rated public and private schools. The city also has a strong sense of community, with many family-friendly events and festivals throughout the year. In addition, there are plenty of family-oriented recreational opportunities, including hiking trails, bike paths, and sports facilities.

City Tourism in Santa Cruz

Santa Cruz is a popular tourist destination that offers something for everyone. The city’s stunning coastline attracts visitors from around the world who come to enjoy the beautiful beaches, surf the waves, or simply relax by the shore.

The Santa Cruz Beach Boardwalk is an iconic attraction that draws millions of visitors each year. It offers thrilling rides, delicious food options, live entertainment, and stunning ocean views. Additionally, Natural Bridges State Beach is renowned for its unique rock formations and tide pools that allow visitors to explore marine life up close.

For nature lovers, the nearby redwood forests provide breathtaking hiking trails with towering trees and awe-inspiring scenery. Downtown Santa Cruz offers an eclectic mix of shops, boutiques, art galleries, and restaurants catering to various tastes.

Moving to Santa Cruz

Moving to Santa Cruz is an exciting prospect for individuals seeking a laid-back lifestyle with access to stunning natural beauty. The city’s mild Mediterranean climate means residents can enjoy outdoor activities year-round.

However, it’s worth noting that the cost of living in Santa Cruz is relatively high, particularly when it comes to housing. The demand for housing exceeds supply, leading to higher prices and a competitive market. It’s essential for those considering a move to Santa Cruz to budget accordingly and plan ahead.

Despite the higher cost of living, Santa Cruz offers an excellent quality of life with its unique coastal charm, cultural attractions, and proximity to natural wonders like Big Sur and Monterey Bay. It’s a city that appeals to individuals who value an active outdoor lifestyle and a tight-knit community.

Retiring in Santa Cruz

Retiring in Santa Cruz offers a unique and vibrant lifestyle for seniors. With its mild climate, stunning natural beauty, and diverse recreational activities, it is no wonder that many retirees choose Santa Cruz as their retirement destination. The city’s peaceful atmosphere and welcoming community make it an ideal place to enjoy your golden years.

One of the biggest draws of retiring in Santa Cruz is the abundance of outdoor activities available. From scenic coastal walks to hiking in the nearby redwood forests, there is no shortage of opportunities to stay active and enjoy nature. The city is also renowned for its world-class surfing spots, attracting surfers from all over the globe.

In addition to its natural beauty, Santa Cruz boasts a thriving arts and culture scene. The downtown area features numerous art galleries, theaters, and live music venues where retirees can indulge in their cultural interests. The city also hosts various festivals and events throughout the year, providing ample opportunities for entertainment.

Pros and Cons of Living in Santa Cruz

Pros

  • Breathtaking scenery with beautiful beaches and redwood forests.
  • Mild climate with comfortable temperatures year-round.
  • Vibrant arts and cultural scene with numerous galleries, theaters, and music venues.
  • Diverse recreational activities including surfing, hiking, biking, and more.
  • Tight-knit community with a welcoming atmosphere.
  • Close proximity to Silicon Valley for job opportunities or day trips.

Cons

  • High cost of living compared to other cities in California.
  • Traffic congestion during peak tourist seasons.
  • Limited housing options and high demand for rentals.
  • Limited job opportunities, particularly in certain industries.
  • Higher than average property taxes.

Frequently Asked Questions about Santa Cruz

1. What is the cost of living in Santa Cruz?

The cost of living in Santa Cruz is relatively high compared to other cities in California. Housing expenses, including rent or mortgages, contribute significantly to the overall cost. However, it is important to note that the quality of life and amenities available in Santa Cruz justify the higher costs for many residents.

2. Is Santa Cruz a safe place to live?

Santa Cruz is generally considered a safe city to live in. Like any urban area, it is essential to take precautions and be aware of your surroundings. The city has an active police force and community programs aimed at maintaining a safe environment for residents and visitors alike.

3. What are the schools like in Santa Cruz?

Santa Cruz has a diverse range of educational options, including public, private, and charter schools. The city is home to several esteemed institutions known for their academic excellence. The University of California, Santa Cruz also offers higher education opportunities within the city.

4. Are there job opportunities in Santa Cruz?

The job market in Santa Cruz can be competitive, particularly in certain industries such as technology and healthcare. However, proximity to Silicon Valley provides additional employment options within commuting distance. It is advisable to research specific industries and opportunities before making any career-related decisions.

5. What recreational activities are available in Santa Cruz?

Santa Cruz offers an array of recreational activities for all ages. Outdoor enthusiasts can enjoy surfing, hiking, biking, and exploring the beautiful beaches and forests. The city also has numerous parks, sports facilities, and cultural attractions that cater to various interests.

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