How much do homeowners pay a month in Aptos, CA?
Homeowners with a mortgage in Aptos, CA pay a median of $3,403 (±$246) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $964 (±$82).
63.3% of owned homes carry a mortgage.
In Aptos, the median monthly cost with a mortgage went from $2,898 in 2015–2019 to $3,403 in 2020–2024 (+17.4%).
Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.
Figures last updated on .
- With a mortgage
- $3,403 (±$246)
- Without a mortgage
- $964 (±$82)
- Owned with a mortgage
- 63.3%
Monthly owner costs in Aptos
| Aptos | Santa Cruz County | California | United States | |
|---|---|---|---|---|
| With a mortgage | $3,403 (±$246) | $3,524 (±$85) | $2,946 (±$5) | $1,963 |
| Without a mortgage | $964 (±$82) | $956 (±$32) | $829 (±$3) | $638 |
| Owned homes with a mortgage | 63.3% (±7.2 points) | 63.1% (±1.5 points) | 67.4% (±0.1 points) | 60.6% |
| Median real estate taxes (a year) | $6,860 (±$702) | $6,538 (±$166) | $5,124 (±$17) | $3,119 |
Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.
In Aptos, the median cost with a mortgage is not measurably different from Santa Cruz County ($3,524).
It is also higher than in California ($2,946).
It is higher than the national figure ($1,963).
In Santa Cruz County, Aptos ranks 14 of 23 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 260 of 1,051.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in Aptos have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $2,898 (±$242) | $3,403 (±$246) | +17.4% | No measurable change after inflation |
| Median real estate taxes | $5,622 (±$406) | $6,860 (±$702) | +22.0% | No measurable change after inflation |
| Median home value | $828,400 (±$40,918) | $1,093,300 (±$66,507) | +32.0% | No measurable change after inflation |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Median monthly cost with a mortgage in places near Aptos
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Aptos | — | $3,403 (±$246) | — |
| Seacliff | 1.7 mi | $3,989 (±$606) | Not measurably different |
| Rio del Mar | 2.3 mi | $4,000 or more | — |
| Soquel | 3.1 mi | $3,544 (±$316) | Not measurably different |
| Day Valley | 3.1 mi | $3,482 (±$385) | Not measurably different |
| Capitola | 3.5 mi | $3,283 (±$242) | Not measurably different |
| Aptos Hills-Larkin Valley | 3.7 mi | $3,343 (±$1,111) | Not measurably different |
| Pleasure Point | 4.8 mi | $3,046 (±$508) | Not measurably different |
| Live Oak (community) | 4.8 mi | $3,049 (±$232) | Lower |
Nearby places with a measurably lower figure: Live Oak (community), CA ($3,049).
Distance is measured in a straight line between the Census Bureau’s internal points for each place.
Median monthly cost with a mortgage across Santa Cruz County, place by place
| Rank | Place | Median monthly cost with a mortgage |
|---|---|---|
| 8 | Ben Lomond | $3,642 (±$345) |
| 9 | Felton | $3,560 (±$490) |
| 10 | Soquel | $3,544 (±$316) |
| 11 | Bonny Doon | $3,506 (±$709) |
| 12 | La Selva Beach | $3,500 (±$306) |
| 13 | Day Valley | $3,482 (±$385) |
| 14 | Aptos | $3,403 (±$246) |
| 15 | Aptos Hills-Larkin Valley | $3,343 (±$1,111) |
| 16 | Capitola | $3,283 (±$242) |
| 17 | Live Oak (community) | $3,049 (±$232) |
| 18 | Pleasure Point | $3,046 (±$508) |
| 19 | Interlaken | $2,819 (±$458) |
| 20 | Twin Lakes | $2,803 (±$291) |
Showing 13 of 23 places in Santa Cruz County, ranked from highest to lowest.
Aptos is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
What you can do on Seayora in Aptos
One account for renting, owning, managing and fixing homes, with these figures beside you.
Own or manage a rental?
List it, sign the lease and collect rent online, with the figures for Aptos beside you.
Create a landlord account · See what landlords get
Looking for a place to rent?
Browse homes for rent near Aptos, save the ones you like and apply online.
Browse rentals · Create a renter account
Do repairs, renovations or maintenance?
Get found by owners and renters near Aptos, and send estimates and invoices from your phone.
Questions about Aptos
What is the average mortgage payment in Aptos?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Aptos, CA is $3,403 (±$246) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in Aptos?
Owners without a mortgage in Aptos pay a median of $964 (±$82) a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in Aptos gone up?
In Aptos, the median monthly cost with a mortgage went from $2,898 in 2015–2019 to $3,403 in 2020–2024 (+17.4%).
Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Aptos CDP, California
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Aptos CDP, California
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Aptos CDP, California
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Aptos CDP, California
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Aptos CDP, California
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Aptos CDP, California (place:02378, in state:06).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.
The API needs a free key.
DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .
Related
- Housing in Aptos at a glance
- Median rent in Aptos
- Renters and owners in Aptos
- Income and affordability in Aptos
- Home values in Aptos
- Property taxes in Aptos
- Types of homes in Aptos
- Bedrooms in Aptos
- Age of homes in Aptos
- Heating fuel in Aptos
- Commute and cars in Aptos
- Population growth in Aptos
- How long people stay in Aptos
- California landlord and tenant rules
- Housing across Santa Cruz County
- Housing data for every place in California