Boulder Creek, CA—95006
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Boulder Creek, CA
As of Oct '25, the median home price in Boulder Creek, CA is $718,000, with a year-over-year change of -4.1%. This indicates that home prices in Boulder Creek, CA are decreasing. According to Zillow, the 1-year price projection is -0.2%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $718,000 | -4.1% |
| Single Family | $730,000 | -3.7% |
| Condos | $507,000 | -3.2% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $466,000 | -7.2% |
2 Bed | $618,000 | -5.4% |
3 Bed | $845,000 | -2.1% |
4 Bed | $1,004,000 | -0.6% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Boulder Creek, CA
As of July '25, Rentcast reports the average rent in Boulder Creek, CA is $3,550, with a year-over-year rent change of -7.3%. Per bedroom, the median rent as of July '25 in Boulder Creek, CA is 1-bedrooms: $2,050, 2-bedrooms: $3,500, 3-bedrooms: $4,500, 4-bedrooms: $4,200. The most common rental property sizes in Boulder Creek, CA are 2-bedroom and 1-bedroom, accounting for 56.4% and 25.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $4,200 | $3,550 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $2,050 | $2,050 |
| 2 Bed Rent | $2,800 | $3,500 |
| 3 Bed Rent | $4,500 | $4,500 |
| 4 Bed Rent | $4,200 | $4,200 |
% of Rental Stock
Property Listings — Boulder Creek, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Boulder Creek, CA is 62. This is a increase of 48.0% 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 21.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $797,000 | 6.0% |
Listing Count | 66 | 21.0% |
| Listings as % of Homes | 0.5% | 21.0% |
Days on Market | 62 | 48.0% |
Demographics — Boulder Creek, CA
As of the latest ACS Survey released in 2023, Boulder Creek, CA has a population of 8,430, which has decreased by -8.7% over the past 5 years. Boulder Creek, CA is a less popular place for families, as children make up 14.1% of the population. The area has a moderately educated workforce, with 38.7% 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 | 8,430 | -8.7% |
% Under 18 | 14.1% | -6.6% |
% Seniors | 18.9% | 16.0% |
% WFH | 21.9% | 97.3% |
% w/ College Degree | 38.7% | 6.3% |
As of the latest ACS Survey released in 2023, Boulder Creek, CA is a predominantly white area, with 72.7% of the population identifying as white. The white population has shrunk by 10.2% in the last 5 years. The second most common race or ethnicity in Boulder Creek, CA is hispanic, making up 17.7% of the population. Foreign-born residents account for 9.1% of the population in Boulder Creek, CA, and this percentage has increased by 23.0% 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 | 72.7% | -10.2% |
% Black | 0.6% | -50.0% |
% Hispanic | 17.7% | 59.5% |
% Asian | 1.2% | -14.3% |
% Foreign Born | 9.1% | 23.0% |
Mortgage and Risk — Boulder Creek, CA
According to HUD data as of 2023, there were 213 mortgage originations in Boulder Creek, CA, of which 88.0% of loans were conventional mortgages. The average loan-to-value was 57.0%, with 18.0% above 90% LTV (elevated). This implies medium mortgage risk in Boulder Creek, 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 | 213 |
% Conventional Loans | 88.0% |
% Government Loans | 12.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Boulder Creek, CA
As of 2024, the percent of homes in Boulder Creek, CA under the Section 8 program is 12.2%. 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. In Boulder Creek, CA, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.
Section 8 Market Size
Total Units under HUD | 117 |
Total Units Section 8 | 117 |
% Rentals under Section 8 | 12.2% |
% Occupied Section 8 | 91.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $1,310 | $2,050 | $3,360 |
| 2 Bedroom | $1,600 | $2,800 | $4,400 |
| 3 Bedroom | $980 | $4,500 | $5,480 |
| 4 Bedroom | $1,640 | $4,200 | $5,840 |
Affordability — Boulder Creek, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.9 |
| Median Home Price | $718,000 |
| Median Household Income | $128,000 |