Median home value in zip code 95010 (Capitola, CA) is $1,207,072, up 0.4% year over year. Part of the Santa Cruz-Watsonville, CA metropolitan area.

Home Value$1,207,072

YoY Change

+0.4%

Prices rising — worse for buyers.

Affordability

Enter your income for 95010 (Capitola).

Income (annual)

Down Payment

$241,414 on $1,207,072

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

Out of reach111.5% of income

Need $298,629/yr to afford.

PITI$6,968

P/I111.5%

Afford$303K

Gap-$904K

P&I $6,104Tax $714Ins $150

6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

95010 is part of the Santa Cruz-Watsonville, CA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Santa Cruz-Watsonville, CA analysis

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