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.

Home Value$1,277,205

-1.6%

Rent$3,586/mo

Prices falling — better for buyers.

Affordability

Enter your income for Aptos.

Income (annual)

Down Payment

$255,441 on $1,277,205

Example: $75,000 household income. Change it above to see your own.

Out of reach117.8% 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$7.52M Los Altos Hills$5.8M Montecito$5.25M Hidden Hills$4.99M Hillsborough$4.95M Los Altos$4.45M Belvedere$4.42M Rancho Santa Fe$4.19M

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.

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Aptos, CA