95065 — Santa Cruz County, California Market Snapshot
Housing market data for zip code 95065 in Santa Cruz County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$1,299,500
Days to Sell
18
Homes Sold
12
Inventory
13
Sale-to-List
100.2%
New Listings
26
Price/SqFt
$866
Pending Sales
16
Jumbo Loan Likely Needed
The median home in 95065 at $1,299,500 exceeds the 2026 conforming loan limit of $1,249,125 by $50,375. 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 95065 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 95065 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95065 at $1,299,500 exceeds the 2026 conforming loan limit of $1,249,125 by $50,375. 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 95065 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 95065
To purchase the median home at $1,299,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,106.
Monthly Payment
$10,106
Income Required
$433,130
Principal & Interest
$8,007/mo
Down Payment (5%)
$64,975
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 95065.
Estimated Monthly Payment
$8,192
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