Most Affordable ZIP Codes in Santa Cruz-Watsonville, CA (2026)
The lowest entry prices that still hold a decent investability rating — cheap is only useful if the market underneath it is sound.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 95019 | Freedom, CA | $757,786 | $3,429 | 3.53% | 2.4% |
| 2 | 95010 | Capitola, CA | $1,242,348 | $3,331 | 2.09% | 2.7% |
| 3 | 95066 | Scotts Valley, CA | $1,270,449 | $4,247 | 2.61% | 2.8% |
| 4 | 95062 | Santa Cruz, CA | $1,329,180 | $3,520 | 2.07% | 2.1% |
| 5 | 95073 | Soquel, CA | $1,374,419 | $3,863 | 2.19% | 3.0% |
| 6 | 95060 | Santa Cruz, CA | $1,399,201 | $3,625 | 2.02% | 3.1% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Cash Flow in Santa Cruz-Watsonville, CA · Appreciation in Santa Cruz-Watsonville, CA
Or see the full Santa Cruz-Watsonville, CA metro profile.