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Learn about the people, housing, costs and businesses in Santa Cruz County County
Select a topic to explore real data for Santa Cruz County.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Santa Cruz County.
Estimate payments for homes in Santa Cruz County.
People, housing & businesses in Santa Cruz County.
Find and compare lenders active near Santa Cruz County.
Homeowners, flood & wildfire estimates for Santa Cruz County.
Income, rent and all-in ownership costs for Santa Cruz County.
FEMA flood zones and flood insurance estimates for Santa Cruz County.
Seismic risk and earthquake insurance estimates for Santa Cruz County.
Wildfire exposure and insurance estimates for Santa Cruz County.
As of today, the 30-year fixed mortgage rate for Santa Cruz County is approximately 7.086% (7.112% 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 Cruz CountyThe median home value in Santa Cruz County is $235k. The median monthly rent is $965. Annual property taxes average $1k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Santa Cruz County have increased 16.4% 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 $942/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $40k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Santa Cruz County is $58k/year.
Calculate your buying powerThe largest employment sectors in Santa Cruz County are public administration (20%) and information and media (9%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.
Adjacent counties and areas