95018 — Santa Cruz County, California Market Snapshot
Housing market data for zip code 95018 in Santa Cruz County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$900,000
Days to Sell
14
Homes Sold
13
Inventory
10
Sale-to-List
101.8%
New Listings
25
Price/SqFt
$677
Pending Sales
21
Conforming Loan Available
Most homebuyers in 95018 can comfortably use conventional financing. The median home price of $900,000 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
Homes in 95018 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 are selling very close to asking price in 95018 (101.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95018 can comfortably use conventional financing. The median home price of $900,000 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 95018 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 95018
To purchase the median home at $900,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,046.
Monthly Payment
$7,046
Income Required
$301,950
Principal & Interest
$5,546/mo
Down Payment (5%)
$45,000
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 95018.
Estimated Monthly Payment
$5,720
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