The median home in Aptos, California is valued at $1,277,205, down 1.6% year over year. Typical monthly rent is $3,586, producing a price-to-rent ratio of 29.7x — well above the national average of 18x. Aptos is part of the Santa Cruz-Watsonville, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Santa Cruz-Watsonville, CA stress score, crash risk, and 12-month forecast →

Home Value$1,277,205

-1.6%

Rent$3,586/mo

AFFORDABILITY

Enter your income for Aptos.

Income (annual)

Down Payment

$255,441 on $1,277,205

Out of reach — 117.8% of income

Need $315,600/yr to afford.

PITI$7,364

P/I117.8%

Afford$304K

Gap-$974K

P&I $6,458Tax $756Ins $150

Renting $3,778/mo cheaper ($3,586 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in California

Compare Aptos with other housing markets across California.

Atherton$7517K Los Altos Hills$5802K Montecito$5251K Hidden Hills$4992K Hillsborough$4946K Los Altos$4448K Belvedere$4421K Rancho Santa Fe$4186K

Full Santa Cruz-Watsonville, CA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Santa Cruz-Watsonville, CA metro.

View Santa Cruz-Watsonville, CA metro →

APTOS, CA