95060 — Santa Cruz County, California Market Snapshot
Housing market data for zip code 95060 in Santa Cruz County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
71 sales in 2026 (year to date)
Median Sale Price
$1,470,000
Days to Sell
14
Homes Sold
71
Inventory
59
Sale-to-List
103.1%
New Listings
112
Price/SqFt
$874
Pending Sales
78
Jumbo Loan Likely Needed
The median home in 95060 at $1,470,000 exceeds the 2026 conforming loan limit of $1,249,125 by $220,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 95060 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 95060 are selling 3.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 95060 at $1,470,000 exceeds the 2026 conforming loan limit of $1,249,125 by $220,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 95060 are set at the county level.
2026 Loan Limits — Santa Cruz County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 95060
To purchase the median home at $1,470,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,413.
Monthly Payment
$11,413
Income Required
$489,114
Principal & Interest
$9,058/mo
Down Payment (5%)
$73,500
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 95060.
Estimated Monthly Payment
$9,248
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