Median home value in zip code 95065 (Santa Cruz, CA) is $1321K, up 1.1% year over year. Part of the Santa Cruz-Watsonville, CA metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: Santa Cruz-Watsonville, CA metro →

Home Value$1,320,685

YoY Change

+1.1%

AFFORDABILITY

Enter your income for 95065 (Santa Cruz).

Income (annual)

Down Payment

$264,137 on $1,320,685

Out of reach — 121.8% of income

Need $326,143/yr to afford.

PITI$7,610

P/I121.8%

Afford$304K

Gap-$1017K

P&I $6,678Tax $781Ins $150

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

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

Metro Analysis

95065 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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