Safe Rate Local
Learn about the people, housing, costs and businesses in Santa Cruz, California
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Santa Cruz.
True all-in cost — P&I, taxes, insurance & utilities for homes in Santa Cruz.
Find and compare lenders active near Santa Cruz.
FEMA flood zones and flood insurance estimates for Santa Cruz.
Seismic risk and earthquake insurance estimates for Santa Cruz.
Wildfire exposure and insurance estimates for Santa Cruz.
As of today, the 30-year fixed mortgage rate for Santa Cruz is approximately 6.978% (7.016% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Santa CruzThe median home value in Santa Cruz is $1.2M. The median monthly rent is $2,546. Annual property taxes average $7k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Santa Cruz have increased 14.6% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $2,538/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $109k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Santa Cruz is $111k/year.
Calculate your buying powerThe largest employment sectors in Santa Cruz are public administration (32%) and healthcare (13%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.