The median home in Capitola, California is valued at $1,158,255, down 0.6% year over year. Typical monthly rent is $3,199, producing a price-to-rent ratio of 30.2x — well above the national average of 18x. Capitola 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$1,158,255

-0.6%

Rent$3,199/mo

AFFORDABILITY

Enter your income for Capitola.

Income (annual)

Down Payment

$231,651 on $1,158,255

Out of reach — 107.1% of income

Need $286,800/yr to afford.

PITI$6,692

P/I107.1%

Afford$303K

Gap-$855K

P&I $5,857Tax $685Ins $150

Renting $3,493/mo cheaper ($3,199 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 Capitola 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 →

CAPITOLA, CA