95064 — Santa Cruz County, California Market Snapshot
Housing market data for zip code 95064 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 2024
Median Sale Price
$1,772,000
Days to Sell
54
Homes Sold
1
Inventory
N/A
Jumbo Loan Likely Needed
The median home in 95064 at $1,772,000 exceeds the 2026 conforming loan limit of $1,249,125 by $522,875. 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
95064's market is balanced with homes taking an average of 54 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 95064 at $1,772,000 exceeds the 2026 conforming loan limit of $1,249,125 by $522,875. 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 95064 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 95064
To purchase the median home at $1,772,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $13,727.
Monthly Payment
$13,727
Income Required
$588,279
Principal & Interest
$10,919/mo
Down Payment (5%)
$88,600
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 95064.
Estimated Monthly Payment
$11,117
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 95064.
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