House Prices

House Prices & Home Values Santa Cruz, CA 2026


Average Data

average house price$1,481,548
average size per house1735 ft²
average price per ft²854 $ / ft²

04/04/2026 - The value range (VR) for house prices in Santa Cruz, CA is $600/ sqft to $1074/ sqft. An average home with 1735 sqft costs approximately $1,041,000 to $1,863,390. Santa Cruz, CA includes 4 ZIP codes and it is located in Santa Cruz county. The lowest prices are found in ZIP 95065, while the highest are in ZIP 95062. The average price per sqare feet is $854. Our analysis is based on 37 property listings.

Avergage prices by ZIP codes Santa Cruz

95060629 $ / ft²
950621140 $ / ft²
95064840 $ / ft²
95065603 $ / ft²




Historical development of home values in Santa Cruz

Year Estimated value (USD) Change vs. 2025
2010 $688,058 -53.6%
2011 $661,450 -55.4%
2012 $659,670 -55.5%
2013 $684,326 -53.8%
2014 $718,354 -51.5%
2015 $755,222 -49.0%
2016 $794,635 -46.4%
2017 $837,525 -43.5%
2018 $883,828 -40.3%
2019 $924,809 -37.6%
2020 $972,618 -34.4%
2021 $1,106,248 -25.3%
2022 $1,289,636 -13.0%
2023 $1,359,981 -8.2%
2024 $1,438,658 -2.9%
2025 $1,481,548 0.0%

Graph: estimated home values in Santa Cruz over time (USD)



Example: 100% financing house in Santa Cruz

Loan amount: $1,481,548

Interest rate: 6.00%

Fixed monthly payment: $8,882.63

Breakdown in the 1st month:
Interest portion: $7,407.74  –  Principal portion: $1,474.89

Yearly breakdown (100% financing)

Year Interest per year ($) Principal per year ($) Remaining balance at year-end ($)
1 $88,397.96 $18,193.58 $1,463,354.42
2 $87,275.82 $19,315.72 $1,444,038.69
3 $86,084.47 $20,507.07 $1,423,531.62
4 $84,819.64 $21,771.91 $1,401,759.71
5 $83,476.80 $23,114.75 $1,378,644.96
6 $82,051.13 $24,540.42 $1,354,104.55
7 $80,537.53 $26,054.02 $1,328,050.53
8 $78,930.57 $27,660.97 $1,300,389.56
9 $77,224.51 $29,367.04 $1,271,022.52
10 $75,413.21 $31,178.33 $1,239,844.18
11 $73,490.20 $33,101.35 $1,206,742.84
12 $71,448.58 $35,142.96 $1,171,599.88
13 $69,281.04 $37,310.51 $1,134,289.37
14 $66,979.81 $39,611.74 $1,094,677.63
15 $64,536.65 $42,054.90 $1,052,622.73
16 $61,942.79 $44,648.75 $1,007,973.98
17 $59,188.95 $47,402.59 $960,571.39
18 $56,265.27 $50,326.28 $910,245.11
19 $53,161.25 $53,430.30 $856,814.81
20 $49,865.79 $56,725.76 $800,089.05
21 $46,367.07 $60,224.48 $739,864.57
22 $42,652.55 $63,938.99 $675,925.58
23 $38,708.93 $67,882.61 $608,042.97
24 $34,522.08 $72,069.46 $535,973.51
25 $30,077.00 $76,514.55 $459,458.96
26 $25,357.75 $81,233.80 $378,225.16
27 $20,347.42 $86,244.12 $291,981.04
28 $15,028.08 $91,563.47 $200,417.57
29 $9,380.64 $97,210.90 $103,206.66
30 $3,384.89 $103,206.66 $0.00

Note: The calculation is based on a standard annuity mortgage with a fixed monthly payment over the entire term. Extra payments, interest rate changes, and additional purchase costs (e.g. taxes, notary fees) are not included.


How to sell in Santa Cruz, CA


1500 sqft3900 sqft
Ø selling price$1,550,011$3,297,295
Ø fast selling$1,409,100$2,967,565
Ø high price sale$1,690,921$3,627,024

In 2026, houses in Santa Cruz, CA will be offered at an average price of $854 per square foot. A 1,500 sqft home priced at $1,550,011 is 22.70% more expensive per square foot than a 3,900 sqft home priced at $3,297,295. Home prices in Santa Cruz, CA vary significantly depending on the neighborhood and location. For a quick sale, a 2,700 sqft home should be listed at around $2,282,742. Sellers who can wait longer may achieve a higher price of up to $2,790,018.


Santa Cruz, CA Travel Guide

Overview

Located on the edge of Monterey Bay, Santa Cruz, CA blends classic surf culture with a laid-back coastal vibe and countless things to do in Santa Cruz.

Beaches & Boardwalk

The iconic Santa Cruz Beach Boardwalk delivers oceanfront rides, arcade fun, and family attractions steps from the sand.
Top Santa Cruz beaches like Main Beach and Natural Bridges State Beach offer beginner-friendly surfing, photogenic tide pools, and spectacular sunsets.

Nature & Outdoor Adventures

Outdoor adventures range from hiking among towering redwoods at Henry Cowell Redwoods State Park to scenic coastal trails and mountain biking at Wilder Ranch State Park.
The forested University of California, Santa Cruz campus pairs sweeping ocean views with art, research, and public trails.

Culture, Food & Wine

Downtown Santa Cruz brims with indie shops, farm-to-table restaurants, craft breweries, coffee roasters, and live music venues.
In the nearby Santa Cruz Mountains AVA, boutique wineries pour acclaimed cool-climate Pinot Noir and Chardonnay in relaxed tasting rooms.

Marine Life & Family Fun

Families love the Seymour Marine Discovery Center and seasonal whale-watching tours that reveal dolphins, seals, and migrating humpbacks on Monterey Bay.

Where to Stay & Getting Around

Choose from beachfront hotels, cozy inns, and vacation rentals, and get around by bike, bus, or scenic drives along Highway 1.

When to Visit

For the best weather and smaller crowds, visit Santa Cruz, California in fall when skies are clear, trails are dry, and surf conditions shine.



FAQ – Home Values in Santa Cruz

What is the median home value in Santa Cruz in 2026?

In 2026, the typical home value in Santa Cruz is about $1,481,548 for an average home size of 1735 square feet. This corresponds to an average price of roughly $854 per square foot.

What is the average cost per square foot in Santa Cruz?

In 2026, homes in Santa Cruz sell for an average of around $854 per square foot, with a typical range between $600 and $1074 per square foot, depending on the property’s location, condition, and lot size.

What is the average home size in ?

The average home size in Santa Cruz is about 1735 square feet, with an estimated 2026 value around $1,481,548.



Locations close to Santa Cruz, CA

Scotts Valley, CA498 $ / ft²
Saratoga, CA819 $ / ft²
Soquel, CA540 $ / ft²
Santa Clara, CA749 $ / ft²
San Martin, CA501 $ / ft²
San Juan Bautista, CA351 $ / ft²
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