The median home in Boulder Creek, California is valued at $709,191, down 2.6% year over year. Typical monthly rent is $3,000, producing a price-to-rent ratio of 19.7x — near the national average of 18x. Boulder Creek is part of the Santa Cruz-Watsonville, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$709,191
-2.6%
Rent$3,000/mo
AFFORDABILITYRenting $1,156/mo cheaper ($3,000 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for Boulder Creek.
$141,838 on $709,191
Out of reach — 66.5% of income
Need $178,114/yr to afford.
PITI$4,156
P/I66.5%
Afford$299K
Gap-$411K
P&I $3,586Tax $420Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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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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