Residents with income below the poverty level in 2007:
| This place: | 14.2% | | Whole state: | 14.2% |
Residents with income below 50% of the poverty level in 2007:
| This place: | 6.0% | | Whole state: | 6.3% |
Detailed information about poverty and poor residents in Opal Cliffs, CA
People in group quarters in Opal Cliffs
- 75 people in nursing homes
- 10 people in homes for the mentally ill
- 3 people in other noninstitutional group quarters
Opal Cliffs compared to California state average:
- Median house value significantly above state average.
- Black race population percentage significantly below state average.
- Length of stay since moving in below state average.
- Number of rooms per house below state average.
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School Enrollment by Level of School
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2004 Presidential Election results in Santa Cruz County California:
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Most commonly used house heating fuel:
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- Utility gas (84%)
- Electricity (12%)
- Wood (3%)
- Bottled, tank, or LP gas (1%)
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Religion statistics for Opal Cliffs
| Name | Catholic Church | Conservative Baptist Association of America | Church of Jesus Christ of Latter-day Saints | Assemblies of God | Muslim Estimate |
| Adherents | 62.8% | 5.1% | 3.0% | 2.3% | 2.1% |
| Congregations | 9.3% | 3.3% | 4.0% | 8.0% | 0.7% |
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| Name | Episcopal Church | Seventh-Day Adventist Church | Presbyterian Church (USA) | Evangelical Lutheran Church in America | Other religions |
| Adherents | 1.8% | 1.8% | 1.5% | 1.3% | 18.2% |
| Congregations | 3.3% | 3.3% | 4.7% | 3.3% | 60.0% |
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Source: Jones, Dale E., et al. 2002. Congregations and Membership in the United States 2000. Nashville, TN: Glenmary Research Center. Tables represent county-level data.
5.90% of this county's 2006 resident taxpayers lived in other counties in 2005 ($57,060 average adjusted gross income) | Here: | 5.90% | | California average: | 5.75% |
0.11% of residents moved from foreign countries ($386 average AGI)| Santa Cruz County: | 0.11% | | California average: | 0.21% |
Top counties from which taxpayers relocated into this county between 2005 and 2006:
7.17% of this county's 2005 resident taxpayers moved to other counties in 2006 ($53,342 average adjusted gross income) | Here: | 7.17% | | California average: | 6.27% |
0.08% of residents moved to foreign countries ($810 average AGI)| Santa Cruz County: | 0.08% | | California average: | 0.11% |
Top counties to which taxpayers relocated from this county between 2005 and 2006:
Strongest AM radio stations in Opal Cliffs:
- KSCO (1080 AM; 10 kW; SANTA CRUZ, CA)
- KOMY (1340 AM; 1 kW; LA SELVA BEACH, CA; Owner: ZWERLING BROADCASTING SYSTEM, LTD)
- KLOK (1170 AM; 50 kW; SAN JOSE, CA; Owner: ENTRAVISION HOLDINGS, LLC)
- KGO (810 AM; 50 kW; SAN FRANCISCO, CA; Owner: KGO-AM RADIO, INC.)
- KNBR (680 AM; 50 kW; SAN FRANCISCO, CA; Owner: KNBR LICO, INC.)
- KYAA (1200 AM; 25 kW; SOQUEL, CA; Owner: PEOPLE'S RADIO, INC.)
- KTCT (1050 AM; 50 kW; SAN MATEO, CA; Owner: SUSQUEHANNA RADIO CORP.)
- KFAX (1100 AM; 50 kW; SAN FRANCISCO, CA; Owner: GOLDEN GATE BROADCASTING CO, INC.)
- KYCY (1550 AM; 50 kW; SAN FRANCISCO, CA; Owner: INFINITY BROADCASTING OPERATIONS, INC.)
- KSRK (540 AM; 10 kW; CARMEL VALLEY, CA; Owner: PEOPLE'S RADIO, INC.)
- KDBV (980 AM; 10 kW; SALINAS, CA; Owner: WOLFHOUSE RADIO GROUP, INC.)
- KTRB (860 AM; 50 kW; MODESTO, CA; Owner: PAPPAS RADIO OF CALIFORNIA, A CALIFORNIA LIMITED PARTNERSHIP)
- KION (1460 AM; 10 kW; SALINAS, CA)
Strongest FM radio stations in Opal Cliffs:
- KSQL (99.1 FM; SANTA CRUZ, CA; Owner: TMS LICENSE CALIFORNIA, INC)
- KKUP (91.5 FM; CUPERTINO, CA; Owner: ASSURANCE SCIENCES FOUNDATION)
- KBRG (100.3 FM; SAN JOSE, CA; Owner: ENTRAVISION HOLDINGS, LLC)
- KTEE (93.7 FM; FELTON, CA; Owner: MAPLETON COMMUNICATIONS, L.L.C.)
- KZSC (88.1 FM; SANTA CRUZ, CA; Owner: THE REGENTS OF THE UNIVERSITY OF CALIFORNIA)
- KBAA (94.5 FM; GILROY, CA; Owner: INFINITY RADIO OPERATIONS INC.)
- K216AX (91.1 FM; LAUREL, CA; Owner: CALVARY CHAPEL OF TWIN FALLS, INC.)
- KSRI (90.7 FM; SANTA CRUZ, CA; Owner: EDUCATIONAL MEDIA FOUNDATION)
- K240CD (95.9 FM; SOQUEL, ETC., CA; Owner: CALVARY CHAPEL OF TWIN FALLS, INC.)
- KDON-FM (102.5 FM; SALINAS, CA; Owner: CLEAR CHANNEL BROADCASTING LICENSES, INC.)
- K202DU (88.3 FM; SAN JUAN BAUTISTA, CA; Owner: CALVARY CHAPEL OF TWIN FALLS, INC.)
- KBTU (93.5 FM; HOLLISTER, CA; Owner: MAPLETON COMMUNICATIONS, L.L.C.)
- KFJC (89.7 FM; LOS ALTOS, CA; Owner: FOOTHILL-DE ANZA COMM. COLLEGE DIST.)
- KLVM (89.7 FM; PRUNEDALE, CA; Owner: PRUNEDALE EDUCATIONAL ASSOCIATION)
- KUSP (88.9 FM; SANTA CRUZ, CA; Owner: PATAPHYSICAL B/CING. FOUNDATION,INC.)
- K260AA (99.9 FM; CARMEL VALLEY, CA; Owner: ENTRAVISION HOLDINGS, LLC)
- KWAV (96.9 FM; MONTEREY, CA; Owner: BUCKLEY BROADCASTING OF MONTEREY)
- KTOM-FM (100.7 FM; SALINAS, CA; Owner: CLEAR CHANNEL BROADCASTING LICENSES, INC.)
- K265DG (100.9 FM; HOLLISTER, CA; Owner: CLEAR CHANNEL BROADCASTING LICENSES, INC.)
- KUFX (98.5 FM; SAN JOSE, CA; Owner: CITICASTERS LICENSES, L.P.)
TV broadcast stations around Opal Cliffs:
- KNTV (Channel 11; SAN JOSE, CA; Owner: KNTV LICENSE, INC.)
- KKPX (Channel 65; SAN JOSE, CA; Owner: PAXSON SAN JOSE LICENSE, INC.)
- K21EV (Channel 21; SALINAS, CA; Owner: LIVING FAITH BROADCASTING)
- KDJT-CA (Channel 33; SALINAS/MONTEREY,ETC, CA; Owner: ENTRAVISION HOLDINGS, LLC)
- KTEH1 (Channel 54; SANTA CRUZ, CA; Owner: KTEH FOUNDATION)
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 1 partial tract)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 66 | $592,490 | 111 | $490,542 | 9 | $293,846 | 50 | $672,307 | 20 | $110,713 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 13 | $640,812 | 23 | $402,460 | 3 | $413,853 | 9 | $536,451 | 2 | $118,555 |
| APPLICATIONS DENIED | 22 | $476,212 | 33 | $567,992 | 5 | $598,000 | 10 | $660,265 | 7 | $121,889 |
| APPLICATIONS WITHDRAWN | 13 | $489,154 | 14 | $594,773 | 0 | $0 | 8 | $673,754 | 2 | $94,285 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $1,015,650 | 5 | $604,534 | 0 | $0 | 2 | $1,014,250 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 1 partial tract)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $343,530 | 97 | $462,131 | 148 | $485,622 | 17 | $441,161 | 1 | $452,750 | 60 | $509,800 | 25 | $130,204 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 13 | $361,552 | 26 | $523,335 | 2 | $599,775 | 0 | $0 | 10 | $524,440 | 3 | $112,020 |
| APPLICATIONS DENIED | 0 | $0 | 13 | $759,869 | 38 | $499,103 | 2 | $625,445 | 0 | $0 | 6 | $608,175 | 3 | $146,560 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 7 | $323,391 | 21 | $394,381 | 2 | $282,850 | 0 | $0 | 3 | $348,817 | 1 | $209,100 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $410,740 | 6 | $384,135 | 1 | $420,070 | 0 | $0 | 2 | $334,660 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 1 partial tract)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $81,210 | 98 | $485,544 | 197 | $467,593 | 11 | $430,089 | 1 | $840,150 | 57 | $578,852 | 35 | $139,758 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 13 | $521,970 | 21 | $376,556 | 1 | $466,750 | 0 | $0 | 6 | $354,575 | 1 | $38,270 |
| APPLICATIONS DENIED | 0 | $0 | 25 | $555,619 | 48 | $527,155 | 5 | $132,556 | 0 | $0 | 22 | $648,273 | 7 | $105,886 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 12 | $371,067 | 25 | $418,731 | 2 | $247,380 | 0 | $0 | 12 | $456,403 | 1 | $85,880 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $636,180 | 7 | $489,421 | 1 | $307,120 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 1 partial tract)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 98 | $486,153 | 206 | $409,303 | 9 | $258,994 | 1 | $1,236,890 | 69 | $506,363 | 18 | $118,762 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 14 | $396,337 | 28 | $370,399 | 2 | $126,955 | 0 | $0 | 3 | $376,200 | 7 | $87,349 |
| APPLICATIONS DENIED | 15 | $357,095 | 47 | $356,557 | 4 | $49,710 | 0 | $0 | 7 | $308,589 | 7 | $112,420 |
| APPLICATIONS WITHDRAWN | 9 | $556,366 | 30 | $448,360 | 1 | $93,350 | 0 | $0 | 1 | $595,570 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 6 | $375,267 | 12 | $429,643 | 0 | $0 | 0 | $0 | 2 | $519,495 | 1 | $220,310 |
Aggregated Statistics For Year 2003 (Based on 1 partial tract)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 130 | $366,772 | 508 | $306,550 | 2 | $142,360 | 1 | $653,450 | 120 | $330,218 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 13 | $413,684 | 58 | $325,309 | 1 | $251,110 | 0 | $0 | 15 | $410,615 |
| APPLICATIONS DENIED | 8 | $386,003 | 53 | $445,068 | 3 | $45,430 | 0 | $0 | 8 | $330,809 |
| APPLICATIONS WITHDRAWN | 13 | $375,052 | 35 | $270,635 | 3 | $138,470 | 0 | $0 | 7 | $371,800 |
| FILES CLOSED FOR INCOMPLETENESS | 3 | $218,127 | 12 | $508,368 | 0 | $0 | 0 | $0 | 1 | $99,880 |
Aggregated Statistics For Year 2002 (Based on 1 partial tract)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 91 | $323,801 | 403 | $323,473 | 4 | $37,340 | 0 | $0 | 84 | $334,182 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 9 | $294,363 | 43 | $302,324 | 4 | $140,258 | 1 | $746,800 | 7 | $272,316 |
| APPLICATIONS DENIED | 19 | $205,321 | 58 | $347,407 | 5 | $43,688 | 0 | $0 | 6 | $463,017 |
| APPLICATIONS WITHDRAWN | 18 | $224,922 | 43 | $267,415 | 0 | $0 | 0 | $0 | 8 | $294,053 |
| FILES CLOSED FOR INCOMPLETENESS | 4 | $227,540 | 14 | $305,054 | 0 | $0 | 0 | $0 | 2 | $192,300 |
Aggregated Statistics For Year 2001 (Based on 1 partial tract)
|
| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 119 | $294,994 | 240 | $322,159 | 10 | $55,637 | 46 | $352,376 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 19 | $234,210 | 32 | $268,790 | 3 | $87,127 | 10 | $305,068 |
| APPLICATIONS DENIED | 21 | $247,422 | 28 | $315,690 | 7 | $69,079 | 1 | $74,680 |
| APPLICATIONS WITHDRAWN | 15 | $305,628 | 21 | $268,048 | 1 | $930 | 7 | $347,129 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 11 | $373,061 | 0 | $0 | 4 | $483,088 |
Aggregated Statistics For Year 2000 (Based on 1 partial tract)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 114 | $270,027 | 82 | $258,841 | 17 | $58,701 | 36 | $276,316 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 20 | $160,142 | 9 | $258,372 | 3 | $63,790 | 7 | $320,190 |
| APPLICATIONS DENIED | 26 | $194,096 | 26 | $238,545 | 6 | $46,675 | 8 | $300,004 |
| APPLICATIONS WITHDRAWN | 12 | $258,346 | 7 | $212,704 | 2 | $14,000 | 3 | $403,273 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $191,370 | 7 | $255,379 | 1 | $14,000 | 1 | $46,670 |
Aggregated Statistics For Year 1999 (Based on 1 partial tract)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 79 | $222,909 | 146 | $223,131 | 13 | $57,673 | 0 | $0 | 37 | $238,247 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 15 | $209,800 | 27 | $172,522 | 1 | $28,530 | 0 | $0 | 7 | $298,397 |
| APPLICATIONS DENIED | 30 | $131,675 | 37 | $176,493 | 5 | $70,072 | 1 | $735,490 | 7 | $371,501 |
| APPLICATIONS WITHDRAWN | 13 | $228,155 | 17 | $211,338 | 1 | $89,150 | 0 | $0 | 4 | $292,190 |
| FILES CLOSED FOR INCOMPLETENESS | 4 | $483,640 | 8 | $198,916 | 1 | $4,460 | 0 | $0 | 2 | $169,385 |
Detailed HMDA statistics for the following Tracts:
1216.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 1 partial tract)
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| A) Conventional Home Purchase Loans |
| Number | Average Value |
| LOANS ORIGINATED | 1 | $372,470 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 1 partial tract)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $338,860 | 1 | $326,730 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $310,860 | 2 | $280,985 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2002 (Based on 1 partial tract)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $432,523 | 3 | $228,087 | 1 | $373,400 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $364,070 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2001 (Based on 1 partial tract)
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| A) Conventional Home Purchase Loans | C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $365,310 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $365,930 | 1 | $365,930 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2000 (Based on 1 partial tract)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 7 | $276,183 | 7 | $270,049 | 2 | $270,250 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $210,040 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 1 partial tract)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 10 | $222,964 | 1 | $338,770 | 1 | $338,770 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $220,200 | 3 | $249,027 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
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Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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