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Capitola, CA Real Estate Market Overview

Current Market Statistics for Capitola:

  • Median Home Price: $650,000
  • Price Per Square Foot: $450/sq ft
  • Average Days on Market: 30 days
  • Homes for Sale: 500 homes

The Capitola real estate market in Santa Cruz 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.

Mortgage Services in Capitola

SRK CAPITAL provides comprehensive mortgage services for Capitola residents, including purchase loans, refinancing, FHA loans, VA loans, and jumbo mortgages. Our local expertise in the Santa Cruz County market ensures you get the best rates and terms available.

Last updated: 2026-01-01

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Important Rate Information

* Rates shown as of 1/17/2026 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.

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Popular Capitola Neighborhoods

Downtown Capitola

Urban living with walkable amenities

East Capitola

Established residential neighborhoods

West Capitola

Growing area with new developments

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Capitola, Santa Cruz County, CA Real Estate Market

Current mortgage rates and real estate market data for Capitola, California

SRK CAPITAL offers competitive rates for home loans in Santa Cruz County

  • FHA Loans in Capitola
  • VA Loans for Veterans in Santa Cruz County
  • Conventional Mortgages in Capitola, CA
  • Jumbo Loans for Luxury Properties
  • Refinancing Options for Capitola Homeowners

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