Median home value: $1272K (+1.3% YoY). Rent: $3,530/mo. Price-to-rent: 30.0x. 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$1,271,645
+1.3%
Rent$3,530/mo
AFFORDABILITYRenting $3,472/mo cheaper ($3,530 rent)6.00% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for Santa Cruz.
$254,329 on $1,271,645
Out of reach — 112% of income
Need $300,086/yr to afford.
PITI$7,002
P/I112%
Afford$318K
Gap-$954K
P&I $6,099Tax $752Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing