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The Sand City real estate market in Monterey County shows a median home price of $650,000 with an average price per square foot of $450/sq ft. Properties typically sell within 30 days and there are currently 500 homes on the market.
SRK CAPITAL provides comprehensive mortgage services for Sand City residents, including purchase loans, refinancing, FHA loans, VA loans, and jumbo mortgages. Our local expertise in the Monterey County market ensures you get the best rates and terms available.
Last updated: 2026-01-01
Discover unique living in California's smallest incorporated city - a vibrant artists colony with coastal dunes, street murals, and sustainable industry.
California's smallest artistic city
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* Rates shown as of 2/25/2026 and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $99.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
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Creative community of 400 artists living and working in converted industrial warehouses
Business and retail hub with major stores serving the entire Monterey Peninsula
Natural sand dune landscape along 1.5 miles of protected Monterey Bay coastline
Converted sand mining warehouses offering unique live/work opportunities for artists and entrepreneurs
Discover mortgage opportunities in communities near Sand City
Most diverse city with CSU Monterey Bay and Fort Ord National Monument
Former Fort Ord with CSU Monterey Bay, dunes preserve, and kite surfing
Garden city with Frog Pond Wetland Preserve and former Fort Ord access
Historic capital with Cannery Row, Monterey Bay Aquarium, and Fisherman's Wharf
Experience one-of-a-kind living in Sand City's artists colony. From converted warehouses to coastal dunes, discover where creativity meets sustainability by the sea.
Updated 2/24/2026
Monterey Ca Sand City Guide is updated daily with practical mortgage guidance for this page.