95003
Aptos, California.
Aptos, Santa Cruz County, CA · Santa Cruz-Watsonville, CA metro · population 24,951
to buy the typical home at today's mortgage rate — +$3,615 (+109%) since Jan 2020.
- 1 year
- Up $36,669 +3%
- $1,282,783$1,319,452 since Sep 2025
- 5 years
- Up $94,831 +8%
- $1,224,621$1,319,452 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 95003$6,925
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 46 years.
Typical home values in zip 95003 rose 2.9% over the past year — faster than the nation's +1.2%.
Asking rents in zip 95003 rose 8.0% over the past year — faster than the nation's +2.7%.
Owning the typical home in zip 95003 runs $4,811/mo more than renting one. The gap peaked at $5,772 in Oct 2023.
That is $9,038 a month against $4,226 rent: a $6,925 mortgage payment, plus $700 property tax and $1,413 insurance & upkeep.
Owning vs renting — zip 95003
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$9,038
- Renting$4,226
- Mortgage only$6,925
Property tax · $700/mo 0.64% of value a year — the ACS 2020-2024 median bill over the median home value for Santa Cruz County, CA
Insurance & upkeep · $1,413/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Zillow also publishes an index for the city itself: Aptos, CA — measured over the city limits, which is a different area from this zip.
Asking rent — 95003
Against the Santa Cruz-Watsonville, CA metro and the national benchmark.
- 95003$4,226
- Santa Cruz$3,469
- United States$1,932
Typical home value — 95003
Mid-tier homes, smoothed and seasonally adjusted.
- 95003$1,319,452
- Santa Cruz$1,136,154
- United States$366,157
Within 20 miles
Showing 30 of 35 zips in range — sorting picks from all 35.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 3.7 | 95073 | Soquel | 11,639 | $2,850 | $1,350,910 |
| 4.8 | 95010 | Capitola | 8,707 | $3,477 | $1,226,976 |
| 6.1 | 95065 | Santa Cruz | 7,997 | $3,716 | $1,332,909 |
| 6.7 | 95062 | Santa Cruz | 35,607 | $3,499 | $1,311,215 |
| 7.2 | 95019 | Freedom | 5,933 | — | $739,063 |
| 8.5 | 95076 | Watsonville | 82,806 | $3,332 | $823,234 |
| 8.6 | 95066 | Scotts Valley | 15,135 | $3,686 | $1,241,996 |
| 10.1 | 95064 | Santa Cruz | 10,168 | — | $680,890 |
| 10.4 | 95041 | Mount Hermon | 623 | — | $795,216 |
| 11.1 | 95018 | Felton | 6,594 | $2,850 | $832,490 |
| 11.6 | 95033 | Los Gatos | 9,600 | $4,250 | $1,403,281 |
| 12.3 | 95120 | San Jose | 36,967 | $5,201 | $2,153,116 |
| 12.4 | 95060 | Santa Cruz | 46,268 | $3,312 | $1,372,773 |
| 13.2 | 95005 | Ben Lomond | 7,277 | — | $910,706 |
| 13.9 | 95037 | Morgan Hill | 51,943 | $3,797 | $1,316,091 |
| 14.0 | 95032 | Los Gatos | 27,313 | $4,132 | $2,530,345 |
| 14.5 | 95039 | Moss Landing | 948 | — | $1,080,317 |
| 14.8 | 95007 | Brookdale | 396 | — | $763,376 |
| 15.8 | 95030 | Los Gatos | 13,151 | $3,848 | $3,515,016 |
| 15.8 | 95119 | San Jose | 10,841 | — | $1,349,140 |
| 16.2 | 95139 | San Jose | 7,035 | — | $1,284,216 |
| 16.5 | 95123 | San Jose | 69,677 | $3,503 | $1,300,855 |
| 16.6 | 95046 | San Martin | 6,324 | — | $1,600,458 |
| 16.7 | 95004 | Aromas | 4,363 | — | $958,854 |
| 17.1 | 95118 | San Jose | 32,015 | $4,569 | $1,572,344 |
| 17.3 | 95012 | Castroville | 10,814 | — | $672,907 |
| 17.3 | 95124 | San Jose | 52,096 | $4,386 | $1,860,049 |
| 17.7 | 95020 | Gilroy | 67,181 | $3,096 | $1,043,769 |
| 18.2 | 95136 | San Jose | 48,056 | $3,659 | $1,301,070 |
| 18.2 | 95138 | San Jose | 18,960 | $4,149 | $1,729,667 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.