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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
$8,073
P&I Payment$7,199
Taxes & Ins$679
Utilities$195
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Mortgage Details

$1,355,635
Local Median: $1,355,635
$271,127 (20%)
%

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

Local Area Costs

Monthly$8,073

Monthly Breakdown

Principal & Interest
$7,199
Property Taxes
$594
Homeowners Ins.
$86
Utilities
$195

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,507,219

Local Housing Facts for Santa Cruz

  • ·Median home value: $1,355,635 (adjusted for current market conditions)
  • ·Est. property taxes: $7,122/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,028/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,337/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?

Based on the local median home value, estimated real estate property taxes in Santa Cruz are around $7,122 per year.

What is the average home price in Santa Cruz?

The median home value in Santa Cruz is currently estimated at $1,355,635.

How much does homeowners insurance cost in Santa Cruz?

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

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

True homeownership costs go beyond principal and interest. In Santa Cruz, a typical homeowner with a median-priced home of $1,355,635 can expect to pay roughly $7,122/yr in property taxes, $1,028/yr for homeowners insurance, and $2,337/yr in energy utilities. That adds approximately $874 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.