Market Intelligence · CA / Santa Cruz

Santa Cruz, CA 95065 Housing Market

In Santa Cruz, CA 95065, the typical home value is $1,332,909, up 4.8% over the past year as of September 2026. The median list price is $1,424,500, and homes have a median of 30 days on market.

Updated September 2026Median value$1333K

The median home value in Santa Cruz, CA 95065 is $1.33M as of September 2026, up 4.8% 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 95065 range

$1.23M to $1.44M

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

+4.8% over 12 months

Sep 2025$1.27M

Low $1.27MHigh $1.33M

Sep 2026$1.33M

The numbers

What is the 95065 housing market like?

As of September 2026

Typical home value

$1.33M

4.8%YoY

Median list price

$1.42M

11.0%MoM

Days on market

49.2%MoM

Homes for sale

38.5%MoM

Price cuts

36.0%

98.1%MoM

New listings

100.0%MoM

Sources · Zillow ZHVI (September 2026) / Realtor.com (September 2026) / FRED (October 2026)

The outlook

95065 housing market forecast 2027

+0.2%

Zillow forecast, 12 months to September 2027

Zillow forecasts typical home values in 95065 to stay roughly flat by September 2027 (up 0.2%).

Over the 12 months through September 2026, typical home values in 95065 rose 4.8%, per the Zillow Home Value Index.

Will home prices drop in 95065?

Zillow's forecast does not point to a meaningful drop: it expects typical home values in 95065 to stay roughly flat by September 2027 (up 0.2%), after a 4.8% 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 95065 home prices compare?

95065$1,332,909
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

There were 18 homes for sale in September 2026, with 8 new listings coming on during the same period. The market is not flooded, but buyers have some room to push: 36.0% of listings had a price cut. At the same time, the typical home value is $1,332,909, up 4.8% over the past year, while the median list price sits higher at $1,424,500. For a seller, the honest read is that pricing needs to be tight from day one because buyers are rewarding realistic listings and testing ambitious ones.

Monthly payment

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Down payment20% · $266,582

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Common questions

What people ask us.

How much is a home in 95065 worth?

The typical home value in 95065 is $1,332,909 as of September 2026, up 4.8% over the past year. The median list price is $1,424,500.

How fast are homes selling in 95065?

Homes in 95065 have a median of 30 days on market as of September 2026. There were 18 homes for sale and 8 new listings.

Are sellers cutting prices in 95065?

Yes, 36.0% of listings had a price cut as of September 2026. That suggests some sellers are adjusting after initial pricing misses.

Discover

Nearby ZIP markets.

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