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Santa Cruz County Mortgage Calculator

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

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Est. Total Monthly Cost
$1,783
P&I Payment$1,439
Taxes & Ins$187
Utilities$157
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Mortgage Details

$272,246
Local Median: $272,246
$54,449 (20%)
%

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

Local Area Costs

Monthly$1,783

Monthly Breakdown

Principal & Interest
$1,439
Property Taxes
$116
Homeowners Ins.
$71
Utilities
$157

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$300,165

Local Housing Facts for Santa Cruz County

  • ·Median home value: $272,246 (adjusted for current market conditions)
  • ·Est. property taxes: $1,389/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $854/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,886/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 County?

Based on the local median home value, estimated real estate property taxes in Santa Cruz County are around $1,389 per year.

What is the average home price in Santa Cruz County?

The median home value in Santa Cruz County is currently estimated at $272,246.

How much does homeowners insurance cost in Santa Cruz County?

For a median priced home, homeowners insurance in Santa Cruz County averages around $854 annually.

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

True homeownership costs go beyond principal and interest. In Santa Cruz County, a typical homeowner with a median-priced home of $272,246 can expect to pay roughly $1,389/yr in property taxes, $854/yr for homeowners insurance, and $1,886/yr in energy utilities. That adds approximately $344 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.