Santa Cruz, CA—95064

As of Aug '25, the median home price in Santa Cruz, CA is $634,000, with a year-over-year change of -2.7%. This indicates that home prices in Santa Cruz, CA are decreasing. According to Zillow, the 1-year price projection is 0.7%, suggesting a relatively flat housing market in the next year.

As of Aug '25 and according to Realtor.com, the median days on market for a home in Santa Cruz, CA is NA. This is an insufficient data of NA from last year. This indicates that homes are sitting on the market insufficient data to determine a trend than last year. The percentage of listed homes with a reduced price is NA. This is an unknown percentage of inventory, suggesting unknown supply pressure on home prices.

According to the latest data from the U.S. Department of Housing and Urban Development (HUD) as of 2023, the number of mortgages originated in Santa Cruz, CA in that year was NA. NA of all primary home loans were conventional, the remainder were government-backed loans, such as FHA loans. The average loan-to-value for all loans was NA. Of those, NA were >90% loan to value. This is considered unknown, suggesting that mortgage risk is unknown in Santa Cruz, CA. Investor activity in Santa Cruz, CA is unknown, as NA of all loans are originated by investors. In 2023, NA of all loans were cash-out refinances, suggesting unknown homeowners are actively tapping their home's equity.