Median home value: $1201K (+1.5% YoY). Rent: $3,816/mo. Price-to-rent: 26.2x. 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$1,200,670
+1.5%
Rent$3,816/mo
AFFORDABILITYRenting $2,803/mo cheaper ($3,816 rent)6.00% 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 — 105.9% of income
Need $283,671/yr to afford.
PITI$6,619
P/I105.9%
Afford$317K
Gap-$883K
P&I $5,759Tax $710Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing