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Santa Cruz Mortgage Calculator

Estimate your true cost of homeownership in Santa Cruz with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$8,086
P&I Payment$7,209
Taxes & Ins$680
Utilities$197
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Mortgage Details

$1,349,878
Local Median: $1,349,878
$269,976 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$8,086

Monthly Breakdown

Principal & Interest
$7,209
Property Taxes
$595
Homeowners Ins.
$86
Utilities
$197

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,515,443

Local Housing Facts for Santa Cruz

  • ·Median home value: $1,349,878 (adjusted for current market conditions)
  • ·Est. property taxes: $7,135/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,028/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,358/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Santa Cruz City?

Based on the local median home value, estimated real estate property taxes in Santa Cruz City are around $7,135 per year.

What is the average home price in Santa Cruz City?

The median home value in Santa Cruz City is currently estimated at $1,349,878.

How much does homeowners insurance cost in Santa Cruz City?

For a median priced home, homeowners insurance in Santa Cruz City averages around $1,028 annually.

What is the true total cost of owning a home in Santa Cruz City?

True homeownership costs go beyond principal and interest. In Santa Cruz City, a typical homeowner with a median-priced home of $1,349,878 can expect to pay roughly $7,135/yr in property taxes, $1,028/yr for homeowners insurance, and $2,358/yr in energy utilities. That adds approximately $877 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.