Median home value in zip code 95060 (Santa Cruz, CA) is $1,349,012, up 2.9% year over year. Part of the Santa Cruz-Watsonville, CA metropolitan area.

Home Value$1,349,012

YoY Change

+2.9%

Prices rising — worse for buyers.

Affordability

Enter your income for 95060 (Santa Cruz).

Income (annual)

Down Payment

$269,802 on $1,349,012

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

Out of reach124.3% of income

Need $333,000/yr to afford.

PITI$7,770

P/I124.3%

Afford$304K

Gap-$1.05M

P&I $6,821Tax $798Ins $150

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

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

Metro Analysis

95060 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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