Santa Cruz, CA 95064 housing market

Data through Aug 2026

Home Value

$694,665

+11.8% vs. a year ago

Sale-to-List Ratio

105.1%

Dec 2024

Mtg Payment as % of Income

41%

Aug 2026

Overvalued %

-60%

Aug 2026

Expected Disaster Loss

$125

Dec 2025

What this means

Valuation. Prices are 60% below this area's pre-2020 price-to-income norm, cheaper relative to incomes than before the pandemic.
Prices. Home values are up 11.8% over the past year (U.S.: +1.2%), but still 13% below their 2022-23 peak.
Negotiating. Homes typically sell at or above asking (105.1% of list) (as of Dec 2024).
Affordability. A mortgage on the typical home takes 41% of the median household income (U.S.: 35%); it takes about $167k a year to keep the payment at 30% of gross pay. That includes about $1,696 a year for home insurance (U.S.: $1,790).
Disaster risk. FEMA expects about $125 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from earthquakes.

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Area	Home value	1-year change	Buyer leverage
Watsonville, CA 95076	$833.5K	+1.4%	55
Santa Cruz, CA 95060	$1.4M	+6.2%	34
Santa Cruz, CA 95062	$1.3M	+5.5%	11
Aptos, CA 95003	$1.3M	+2.3%	55
Scotts Valley, CA 95066	$1.3M	+2.4%	53
Soquel, CA 95073	$1.4M	+6.3%	36
Lexington Hills, CA 95033	$1.4M	+1.6%	95
Capitola, CA 95010	$1.2M	+6.8%	60
Santa Cruz, CA 95065	$1.3M	+4.6%	37
Boulder Creek, CA 95006	$724.9K	+0.2%	50
Ben Lomond, CA 95005	$907.6K	+4.0%	47
Ben Lomond, CA 95018	$835.7K	+5.5%	18
Watsonville, CA 95019	$758K	−0.4%	11
Felton, CA 95041	$796.8K	+3.8%	17
Davenport, CA 95017	$974.6K	+0.4%	55
Boulder Creek, CA 95007	$764.4K	+2.1%	93