Buying a Home in Santa Cruz County, CA (2026): $1,249,125 Limit & Cities

Buying a home in Santa Cruz County, CA

Quick answer

Santa Cruz County, CA has a 2026 one-unit conforming loan limit of $1,249,125 and an FHA limit of $1,249,125. Explore 5 Census-backed city pages in this county, with home values from $657,700 to $1,180,100. 0 county-level assistance programs have been verified.

What do homes cost across Santa Cruz County?

City	Population	Median home value
Santa Cruz	60,953	$1,180,100
Watsonville	51,968	$657,700
Live Oak	16,866	$975,900
Scotts Valley	12,138	$1,092,000
Soquel	10,691	$908,500

What assistance is available in Santa Cruz County?

CalHFA MyHome Assistance Program — Up to the lesser of 3.5% of the purchase price or appraised value (FHA); deferred; state-level. California Housing Finance Agency · Verified October 23, 2026

All 1–4 unit county loan limits

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.