Market Overview
Home Prices in Scotts Valley, CA
The median home value in Scotts Valley, CA is $1,267,348 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.3% compared to a year ago and down 1.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Scotts Valley are priced209% above average. Scotts Valley is part of the Santa Cruz-Watsonville, CA metro area.
Over the past five years, Scotts Valley home values have risen by approximately14.9%, reflecting steady appreciation in this market.
Price History
Scotts Valley Home Price Trend
City Comparison
Scotts Valley vs. National Median
At $1,267,348, homes in Scotts Valley cost 209% above the national median of $410,000. Buyers in Scotts Valley should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Scotts Valley?
20% Down Payment
$253,470
on $1,267,348
Monthly P&I
$6,610/mo
30-yr @ 6.8%
Total Monthly Est.
~$8,395/mo
incl. taxes & insurance
Income Needed
$335,800
gross annual (30% rule)
10% Down Option
$126,735
+ PMI applies
Loan Amount (20% dn)
$1,013,878
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 Scotts Valley, CA?
The median home value in Scotts Valley is $1,267,348 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.3% year-over-year.
How much have home prices changed in Scotts Valley?
Over the past year, home values in Scotts Valley have increased by 2.3%. Over five years, prices have risen approximately 14.9%.
How much do I need to earn to buy a home in Scotts Valley?
To comfortably afford the median home price of $1,267,348 with a 20% down payment ($253,470) at today's rates (6.8%), you'd need a gross annual income of approximately $335,800. This assumes keeping total housing costs at or below 30% of gross income.
How does Scotts Valley compare to the national average home price?
The national median home value is approximately $410,000. At $1,267,348, homes in Scotts Valley are 209% above the national average.
What metro area is Scotts Valley part of?
Scotts Valley is part of the Santa Cruz-Watsonville, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.