Aptos, CA—95003
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Aptos, CA
As of Oct '25, the median home price in Aptos, CA is $1,324,000, with a year-over-year change of -3.5%. This indicates that home prices in Aptos, CA are decreasing. According to Zillow, the 1-year price projection is 0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $1,324,000 | -3.5% |
| Single Family | $1,379,000 | -3.5% |
| Condos | $884,000 | -2.1% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $695,000 | -5.1% |
2 Bed | $999,000 | -4.2% |
3 Bed | $1,381,000 | -3.5% |
4 Bed | $1,802,000 | -2.3% |
| 5 Bed | $2,095,000 | -1.6% |
% of Housing Stock
Rental Trends — Aptos, CA
As of July '25, Rentcast reports the average rent in Aptos, CA is $4,100, with a year-over-year rent change of 2.0%. Per bedroom, the median rent as of July '25 in Aptos, CA is studios: $1,800, 1-bedrooms: $2,190, 2-bedrooms: $3,650, 3-bedrooms: $5,170, 4-bedrooms: $6,610. The most common rental property sizes in Aptos, CA are 2-bedroom and 3-bedroom, accounting for 42.2% and 33.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $4,200 | $4,100 |
| Studio Rent | $1,800 | $1,800 |
| 1 Bed Rent | $2,200 | $2,190 |
| 2 Bed Rent | $3,300 | $3,650 |
| 3 Bed Rent | $4,900 | $5,170 |
| 4 Bed Rent | $6,700 | $6,610 |
% of Rental Stock
Property Listings — Aptos, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Aptos, CA is 52. This is a increase of 17.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 22.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,510,000 | -4.0% |
Listing Count | 119 | 22.0% |
| Listings as % of Homes | 0.3% | 22.0% |
Days on Market | 52 | 17.0% |
Demographics — Aptos, CA
As of the latest ACS Survey released in 2023, Aptos, CA has a population of 24,700, which has remained stable by -0.5% over the past 5 years. Aptos, CA is a moderately popular place for families, as children make up 18.0% of the population. The area has a highly educated workforce, with 54.5% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 21.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 24,700 | -0.5% |
% Under 18 | 18.0% | 0.0% |
% Seniors | 24.6% | 7.9% |
% WFH | 21.9% | 69.8% |
% w/ College Degree | 54.5% | -2.9% |
As of the latest ACS Survey released in 2023, Aptos, CA is a predominantly white area, with 75.2% of the population identifying as white. The white population has shrunk by 3.6% in the last 5 years. The second most common race or ethnicity in Aptos, CA is hispanic, making up 16.1% of the population. Foreign-born residents account for 9.7% of the population in Aptos, CA, and this percentage has increased by 4.3% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 75.2% | -3.6% |
% Black | 0.3% | -76.9% |
% Hispanic | 16.1% | 25.8% |
% Asian | 3.3% | -13.2% |
% Foreign Born | 9.7% | 4.3% |
Mortgage and Risk — Aptos, CA
According to HUD data as of 2023, there were 299 mortgage originations in Aptos, CA, of which 95.0% of loans were conventional mortgages. The average loan-to-value was 41.0%, with 4.0% above 90% LTV (normal). This implies small mortgage risk in Aptos, CA. Investor activity is low, as 2.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 299 |
% Conventional Loans | 95.0% |
% Government Loans | 5.0% |
% Investor Loans | 2.0% |
% Second Loans | 7.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Aptos, CA
As of 2024, the percent of homes in Aptos, CA under the Section 8 program is 9.2%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 2-bedroom and 3-bedroom units appear to be good home sizes to consider for Section 8 housing in Aptos, CA, because HUD payments exceed market rent, while 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 346 |
Total Units Section 8 | 346 |
% Rentals under Section 8 | 9.2% |
% Occupied Section 8 | 92.6% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $1,400 | $2,200 | $3,600 |
| 2 Bedroom | $1,420 | $3,300 | $4,720 |
| 3 Bedroom | $970 | $4,900 | $5,870 |
| 4 Bedroom | -$430 | $6,700 | $6,270 |
Affordability — Aptos, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 9.6 |
| Median Home Price | $1,324,000 |
| Median Household Income | $141,000 |