Capitola, CA—95010
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Capitola, CA
As of Oct '25, the median home price in Capitola, CA is $1,195,000, with a year-over-year change of -4.3%. This indicates that home prices in Capitola, CA are decreasing. According to Zillow, the 1-year price projection is 1.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $1,195,000 | -4.3% |
| Single Family | $1,468,000 | -5.0% |
| Condos | $669,000 | -4.7% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $725,000 | -4.7% |
2 Bed | $855,000 | -4.1% |
3 Bed | $1,501,000 | -5.1% |
4 Bed | $1,729,000 | -5.6% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Capitola, CA
As of July '25, Rentcast reports the average rent in Capitola, CA is $3,120, with a year-over-year rent change of -6.3%. Per bedroom, the median rent as of July '25 in Capitola, CA is 1-bedrooms: $2,510, 2-bedrooms: $3,260, 3-bedrooms: $3,750. The most common rental property sizes in Capitola, CA are 2-bedroom and 1-bedroom, accounting for 61.7% and 17.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,100 | $3,120 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $2,320 | $2,510 |
| 2 Bed Rent | $3,150 | $3,260 |
| 3 Bed Rent | $3,500 | $3,750 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Capitola, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Capitola, CA is 45. This is a increase of 5.0% 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 19.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $921,000 | -37.0% |
Listing Count | 32 | 31.0% |
| Listings as % of Homes | 0.1% | 31.0% |
Days on Market | 45 | 5.0% |
Demographics — Capitola, CA
As of the latest ACS Survey released in 2023, Capitola, CA has a population of 8,700, which has decreased by -3.7% over the past 5 years. Capitola, CA is a less popular place for families, as children make up 14.9% of the population. The area has a highly educated workforce, with 46.5% of adult residents holding a bachelor’s degree or higher. There are many residents working remotely, with 26.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 8,700 | -3.7% |
% Under 18 | 14.9% | -14.9% |
% Seniors | 26.4% | 18.9% |
% WFH | 26.7% | 113.6% |
% w/ College Degree | 46.5% | 23.3% |
As of the latest ACS Survey released in 2023, Capitola, CA is a predominantly white area, with 60.7% of the population identifying as white. The white population has shrunk by 7.2% in the last 5 years. The second most common race or ethnicity in Capitola, CA is hispanic, making up 30.7% of the population. Foreign-born residents account for 14.9% of the population in Capitola, CA, and this percentage has decreased by 7.5% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 60.7% | -7.2% |
% Black | 0.3% | -50.0% |
% Hispanic | 30.7% | 46.9% |
% Asian | 5.0% | -7.4% |
% Foreign Born | 14.9% | -7.5% |
Mortgage and Risk — Capitola, CA
According to HUD data as of 2023, there were 81 mortgage originations in Capitola, CA, of which 95.0% of loans were conventional mortgages. The average loan-to-value was 47.0%, with 1.0% above 90% LTV (normal). This implies small mortgage risk in Capitola, CA. Investor activity is low, as 9.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 81 |
% Conventional Loans | 95.0% |
% Government Loans | 5.0% |
% Investor Loans | 9.0% |
% Second Loans | 15.0% |
% Cash Out Refinance | 7.0% |
Loan Activity
Rentals and Section 8 — Capitola, CA
Capitola, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 188 |
Total Units Section 8 | 164 |
% Rentals under Section 8 | 9.1% |
% Occupied Section 8 | 91.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $950 | $2,320 | $3,270 |
| 2 Bedroom | $1,140 | $3,150 | $4,290 |
| 3 Bedroom | $1,840 | $3,500 | $5,340 |
| 4 Bedroom | N/A | N/A | $5,690 |
Affordability — Capitola, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 12.6 |
| Median Home Price | $1,195,000 |
| Median Household Income | $96,700 |