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.
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Home Value$1,200,670
+1.5%
Rent$3,816/mo
AFFORDABILITYRenting $3,116/mo cheaper ($3,816 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for Scotts Valley.
$240,134 on $1,200,670
Out of reach — 110.9% of income
Need $297,086/yr to afford.
PITI$6,932
P/I110.9%
Afford$303K
Gap-$898K
P&I $6,071Tax $710Ins $150
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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