Market Intelligence · CA / Santa Cruz

Santa Cruz, CA 95064 Housing Market

Santa Cruz's 95064 ZIP has a typical home value of $680,890, up 10.0% over the past year as of September 2026. This appreciation reflects steady demand in the area. Homeowners considering a sale should be aware of this recent trajectory.

Updated September 2026Median value$681K

The median home value in Santa Cruz, CA 95064 is $681K as of September 2026, up 10.0% year over year, according to Zillow ZHVI. For a read on your own home, start with a free consultation: a licensed local pro will walk you through your numbers and your options, with no obligation.

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Typical 95064 range

$626K to $735K

This is an automated estimate, not an appraisal. Actual value is determined by current market conditions and professional evaluation. It is provided for informational purposes only and is not an offer to buy or a promise of value.

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12-month value trend

+10.0% over 12 months

Sep 2025$619K

Low $619KHigh $681K

Sep 2026$681K

The numbers

What is the 95064 housing market like?

As of September 2026

Typical home value

$681K

10.0%YoY

Sources · Zillow ZHVI (September 2026) / FRED (October 2026)

The outlook

95064 housing market forecast 2027

+0.2%

Zillow forecast, 12 months to September 2027

Zillow forecasts typical home values in 95064 to stay roughly flat by September 2027 (up 0.2%).

Over the 12 months through September 2026, typical home values in 95064 rose 10.0%, per the Zillow Home Value Index.

Will home prices drop in 95064?

Zillow's forecast does not point to a meaningful drop: it expects typical home values in 95064 to stay roughly flat by September 2027 (up 0.2%), after a 10.0% rise over the past 12 months. Forecasts are not guarantees: mortgage rates, inventory, and the wider economy can move values either way.

Forecast: Zillow Home Value Forecast, published October 2026. A forecast, not a guarantee.

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The comparison

How do 95064 home prices compare?

95064$680,890
Santa Cruz$1,322,062
California$692,765
United States$285,347

Median Zillow home value (ZHVI), as of September 2026. Comparison levels are medians across every ZIP code with Zillow data (Santa Cruz: 4 ZIPs; California: 1,543 ZIPs; United States: 26,262 ZIPs).

Context

The 10.0% year-over-year gain in typical home value shows meaningful appreciation in 95064. At $680,890, the median home price continues to climb in this Santa Cruz neighborhood. This kind of sustained growth suggests consistent buyer interest and relatively stable market conditions. However, appreciation alone does not guarantee a quick sale. Sellers should think carefully about timing and pricing relative to comparable homes in the current market.

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Down payment20% · $136,178

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Common questions

What people ask us.

What is the typical home value in 95064?

The typical home value in this Santa Cruz ZIP is $680,890 as of September 2026.

How much has the market appreciated?

Homes in 95064 have appreciated 10.0% over the past year, reflecting steady growth in the area.

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Nearby ZIP markets.

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