Median home value in zip code 95064 (Santa Cruz, CA) is $664,711, up 5.4% year over year. Part of the Santa Cruz-Watsonville, CA metropolitan area.

Home Value$664,711

YoY Change

+5.4%

Prices rising — worse for buyers.

Affordability

Enter your income for 95064 (Santa Cruz).

Income (annual)

Down Payment

$132,942 on $664,711

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

Out of reach62.5% of income

Need $167,314/yr to afford.

PITI$3,904

P/I62.5%

Afford$298K

Gap-$367K

P&I $3,361Tax $393Ins $150

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

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

Metro Analysis

95064 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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