95066 — Santa Cruz County, California Market Snapshot
Housing market data for zip code 95066 in Santa Cruz County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Santa Cruz County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$1,600,000
Days to Sell
N/A
Homes Sold
1
Inventory
1
Jumbo Loan Likely Needed
The median home in 95066 at $1,600,000 exceeds the 2026 conforming loan limit of $1,249,125 by $350,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Conforming Loan Feasibility
The median home in 95066 at $1,600,000 exceeds the 2026 conforming loan limit of $1,249,125 by $350,875. 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 95066 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 95066
To purchase the median home at $1,600,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $12,409.
Monthly Payment
$12,409
Income Required
$531,801
Principal & Interest
$9,859/mo
Down Payment (5%)
$80,000
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 95066.
Estimated Monthly Payment
$10,052
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 95066.
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 95066. Tell us what you're looking for.