95065
Santa Cruz, California.
Santa Cruz, Santa Cruz County, CA · Santa Cruz-Watsonville, CA metro · population 7,997
to buy the typical home at today's mortgage rate — +$3,666 (+110%) since Jan 2020.
- 1 year
- Up $61,040 +5%
- $1,271,869$1,332,909 since Sep 2025
- 5 years
- Up $147,833 +12%
- $1,185,076$1,332,909 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.
- 95065$6,996
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 29 years.
Typical home values in zip 95065 rose 4.8% over the past year — faster than the nation's +1.2%.
Zillow also publishes an index for the city itself: Santa Cruz, CA — measured over the city limits, which is a different area from this zip.
Asking rent — 95065
Against the Santa Cruz-Watsonville, CA metro and the national benchmark.
Not enough data to draw this yet.
Typical home value — 95065
Mid-tier homes, smoothed and seasonally adjusted.
- 95065$1,332,909
- Santa Cruz$1,136,154
- United States$366,157
Within 20 miles
Showing 30 of 36 zips in range — sorting picks from all 36.
| 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 |
|---|---|---|---|---|---|
| 2.9 | 95066 | Scotts Valley | 15,135 | $3,686 | $1,241,996 |
| 3.0 | 95073 | Soquel | 11,639 | $2,850 | $1,350,910 |
| 4.1 | 95062 | Santa Cruz | 35,607 | $3,499 | $1,311,215 |
| 4.1 | 95010 | Capitola | 8,707 | $3,477 | $1,226,976 |
| 4.3 | 95041 | Mount Hermon | 623 | — | $795,216 |
| 5.0 | 95064 | Santa Cruz | 10,168 | — | $680,890 |
| 5.2 | 95018 | Felton | 6,594 | $2,850 | $832,490 |
| 6.1 | 95003 | Aptos | 24,951 | $4,226 | $1,319,452 |
| 6.6 | 95060 | Santa Cruz | 46,268 | $3,312 | $1,372,773 |
| 7.4 | 95005 | Ben Lomond | 7,277 | — | $910,706 |
| 8.6 | 95033 | Los Gatos | 9,600 | $4,250 | $1,403,281 |
| 9.0 | 95007 | Brookdale | 396 | — | $763,376 |
| 12.6 | 95032 | Los Gatos | 27,313 | $4,132 | $2,530,345 |
| 12.9 | 95019 | Freedom | 5,933 | — | $739,063 |
| 13.1 | 95030 | Los Gatos | 13,151 | $3,848 | $3,515,016 |
| 13.3 | 95006 | Boulder Creek | 7,561 | $3,212 | $721,574 |
| 13.3 | 95120 | San Jose | 36,967 | $5,201 | $2,153,116 |
| 14.4 | 95076 | Watsonville | 82,806 | $3,332 | $823,234 |
| 14.4 | 95017 | Davenport | 616 | — | $971,013 |
| 15.9 | 95124 | San Jose | 52,096 | $4,386 | $1,860,049 |
| 15.9 | 95070 | Saratoga | 31,417 | $6,140 | $3,962,763 |
| 16.3 | 95118 | San Jose | 32,015 | $4,569 | $1,572,344 |
| 16.9 | 95123 | San Jose | 69,677 | $3,503 | $1,300,855 |
| 17.2 | 95008 | Campbell | 48,333 | $3,450 | $1,804,808 |
| 17.2 | 95119 | San Jose | 10,841 | — | $1,349,140 |
| 17.7 | 95130 | San Jose | 13,511 | $4,201 | $2,021,759 |
| 18.0 | 95139 | San Jose | 7,035 | — | $1,284,216 |
| 18.1 | 95136 | San Jose | 48,056 | $3,659 | $1,301,070 |
| 18.2 | 95037 | Morgan Hill | 51,943 | $3,797 | $1,316,091 |
| 18.8 | 95039 | Moss Landing | 948 | — | $1,080,317 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.