Median home value: $1277K (-1.6% YoY). Rent: $3,586/mo. Price-to-rent: 29.7x. Part of Santa Cruz-Watsonville, CA.
Limited Data
Basic Zillow data only. For stress scores, AI analysis, and trends, Santa Cruz-Watsonville, CA metro page.
Home Value$1,277,205
-1.6%
Rent$3,586/mo
AFFORDABILITYRenting $3,446/mo cheaper ($3,586 rent)6.00% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for Aptos.
$255,441 on $1,277,205
Out of reach — 112.5% of income
Need $301,371/yr to afford.
PITI$7,032
P/I112.5%
Afford$318K
Gap-$959K
P&I $6,126Tax $756Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing