The median home in Scotts Valley, California is valued at $1,200,670, up 1.5% year over year. Typical monthly rent is $3,816, producing a price-to-rent ratio of 26.2x — well above the national average of 18x. Scotts Valley 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$1,200,670

+1.5%

Rent$3,816/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Scotts Valley.

Income (annual)

Down Payment

$240,134 on $1,200,670

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

Out of reach110.9% of income

Need $297,086/yr to afford.

PITI$6,932

P/I110.9%

Afford$303K

Gap-$898K

P&I $6,071Tax $710Ins $150

Renting $3,116/mo cheaper ($3,816 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 Scotts Valley 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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Scotts Valley, CA