Scotts Valley, CA—95066
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Scotts Valley, CA
As of Oct '25, the median home price in Scotts Valley, CA is $1,230,000, with a year-over-year change of -0.8%. This indicates that home prices in Scotts Valley, CA are flat. According to Zillow, the 1-year price projection is 0.4%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $1,230,000 | -0.8% |
| Single Family | $1,265,000 | -0.6% |
| Condos | $681,000 | -5.0% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $764,000 | -4.0% |
3 Bed | $1,190,000 | -0.3% |
4 Bed | $1,523,000 | -0.5% |
| 5 Bed | $1,878,000 | 0.0% |
% of Housing Stock
Rental Trends — Scotts Valley, CA
As of July '25, Rentcast reports the average rent in Scotts Valley, CA is $4,680, with a year-over-year rent change of 29.6%. Per bedroom, the median rent as of July '25 in Scotts Valley, CA is studios: $1,800, 2-bedrooms: $3,270, 3-bedrooms: $4,420, 4-bedrooms: $6,060. The most common rental property sizes in Scotts Valley, CA are 2-bedroom and 1-bedroom, accounting for 49.9% and 22.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $4,200 | $4,680 |
| Studio Rent | $1,800 | $1,800 |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $3,400 | $3,270 |
| 3 Bed Rent | $4,200 | $4,420 |
| 4 Bed Rent | $5,400 | $6,060 |
% of Rental Stock
Property Listings — Scotts Valley, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Scotts Valley, CA is 98. This is a increase of 89.0% 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 29.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,290,000 | -4.0% |
Listing Count | 48 | 8.0% |
| Listings as % of Homes | 0.3% | 8.0% |
Days on Market | 98 | 89.0% |
Demographics — Scotts Valley, CA
As of the latest ACS Survey released in 2023, Scotts Valley, CA has a population of 15,400, which has remained stable by 1.0% over the past 5 years. Scotts Valley, CA is a moderately popular place for families, as children make up 17.8% of the population. The area has a highly educated workforce, with 55.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 24.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 15,400 | 1.0% |
% Under 18 | 17.8% | -10.6% |
% Seniors | 22.9% | 32.4% |
% WFH | 24.2% | 171.9% |
% w/ College Degree | 55.3% | 1.8% |
As of the latest ACS Survey released in 2023, Scotts Valley, CA is a predominantly white area, with 74.9% of the population identifying as white. The white population has shrunk by 4.6% in the last 5 years. The second most common race or ethnicity in Scotts Valley, CA is hispanic, making up 12.1% of the population. Foreign-born residents account for 11.9% of the population in Scotts Valley, CA, and this percentage has increased by 17.8% 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 | 74.9% | -4.6% |
% Black | 0.4% | 0.0% |
% Hispanic | 12.1% | 7.1% |
% Asian | 6.6% | 15.8% |
% Foreign Born | 11.9% | 17.8% |
Mortgage and Risk — Scotts Valley, CA
According to HUD data as of 2023, there were 249 mortgage originations in Scotts Valley, CA, of which 98.0% of loans were conventional mortgages. The average loan-to-value was 47.0%, with 4.0% above 90% LTV (normal). This implies small mortgage risk in Scotts Valley, CA. Investor activity is low, as 1.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 249 |
% Conventional Loans | 98.0% |
% Government Loans | 2.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 8.0% |
Loan Activity
Rentals and Section 8 — Scotts Valley, CA
Scotts Valley, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 82 |
Total Units Section 8 | 82 |
% Rentals under Section 8 | 5.0% |
% Occupied Section 8 | 91.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $3,600 |
| 2 Bedroom | $1,320 | $3,400 | $4,720 |
| 3 Bedroom | $1,670 | $4,200 | $5,870 |
| 4 Bedroom | $870 | $5,400 | $6,270 |
Affordability — Scotts Valley, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 8.1 |
| Median Home Price | $1,230,000 |
| Median Household Income | $147,000 |