Market Overview
Home Prices in Aptos, CA
The median home value in Aptos, CA is $1,347,681 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.2% compared to a year ago and down 3.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Aptos are priced229% above average. Aptos is part of the Santa Cruz-Watsonville, CA metro area.
Over the past five years, Aptos home values have risen by approximately11.3%, reflecting steady appreciation in this market.
Price History
Aptos Home Price Trend
City Comparison
Aptos vs. National Median
At $1,347,681, homes in Aptos cost 229% above the national median of $410,000. Buyers in Aptos should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Aptos?
20% Down Payment
$269,536
on $1,347,681
Monthly P&I
$7,029/mo
30-yr @ 6.8%
Total Monthly Est.
~$8,927/mo
incl. taxes & insurance
Income Needed
$357,080
gross annual (30% rule)
10% Down Option
$134,768
+ PMI applies
Loan Amount (20% dn)
$1,078,145
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Aptos, CA?
The median home value in Aptos is $1,347,681 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.2% year-over-year.
How much have home prices changed in Aptos?
Over the past year, home values in Aptos have increased by 1.2%. Over five years, prices have risen approximately 11.3%.
How much do I need to earn to buy a home in Aptos?
To comfortably afford the median home price of $1,347,681 with a 20% down payment ($269,536) at today's rates (6.8%), you'd need a gross annual income of approximately $357,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Aptos compare to the national average home price?
The national median home value is approximately $410,000. At $1,347,681, homes in Aptos are 229% above the national average.
What metro area is Aptos part of?
Aptos is part of the Santa Cruz-Watsonville, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.