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Aptos, CA—95003

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$1,349,000
1.1% YoY Growth
Household Income
$141,000
46.0% YoY Growth
Days on Market
40
3.0% Shorter YoY
Home Price Forecast
-0.1%
Median Rent
$4,200
2.0% YoY Growth
1-Bed Rent
$2,200
11.7% YoY Growth
2-Bed Rent
$3,300
9.0% YoY Growth
3-Bed Rent
$4,900
8.4% YoY Growth
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Aptos, CA

As of May '26, the median home price in Aptos, CA is $1,349,000, with a year-over-year change of 1.1%. This indicates that home prices in Aptos, CA are increasing. According to Zillow, the 1-year price projection is -0.1%, suggesting a relatively flat housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$1,349,0001.1%
Single Family $1,402,0001.0%
Condos $889,0002.9%

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed

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  • Affordability
  • Rentals and Section 8
    • $711,000
    1.9%
    2 Bed
    		$1,017,0001.6%
    3 Bed
    		$1,400,0000.9%
    4 Bed
    		$1,828,0000.1%
    5 Bed $2,137,5421.8%
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    % of Housing Stock

    Studio
    2.4%
    1 Bedroom
    4.7%
    2 Bedrooms
    29.3%
    3 Bedrooms
    44.7%
    4 Bedrooms
    16.3%
    5+ Bedrooms
    2.6%

    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.

    TypeMedian RentAverage 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
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    % of Rental Stock

    Studio
    4.9%
    1 Bedroom
    9.6%
    2 Bedrooms
    42.2%
    3 Bedrooms
    33.4%
    4 Bedrooms
    9.9%

    Property Listings — Aptos, CA

    As of May '26, Realtor.com reports that the median days on market for a home in Aptos, CA is 40. This is a decrease of -3.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 23.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$1,350,000-3.0%
    Listing Count
    		121-11.0%
    Listings as % of Homes0.3%-11.0%
    Days on Market
    		40-3.0%
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    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.

    MetricLatest CensusYoY % 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%
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    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

    MetricLatest Census5-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%
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    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

    MetricZip 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%
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    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 SizeHUD PremiumMarket RentMax 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

    MetricZip Code Average
    Home Price to Income Ratio9.6
    Median Home Price$1,349,000
    Median Household Income$141,000

    Aptos, CA — ZIP Code Boundary Map

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