95006 — Santa Cruz County, California Market Snapshot
Housing market data for zip code 95006 in Santa Cruz County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$667,500
Days to Sell
50
Homes Sold
27
Inventory
34
Sale-to-List
98.6%
New Listings
50
Price/SqFt
$496
Pending Sales
45
Conforming Loan Available
Most homebuyers in 95006 can comfortably use conventional financing. The median home price of $667,500 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
95006's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 95006 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95006 can comfortably use conventional financing. The median home price of $667,500 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 95006 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 95006
To purchase the median home at $667,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,264.
Monthly Payment
$5,264
Income Required
$225,607
Principal & Interest
$4,113/mo
Down Payment (5%)
$33,375
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 95006.
Estimated Monthly Payment
$4,281
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