Loading
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.
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
Get instant insights into Capitola's housing market with AI-powered analysis and real-time mortgage rates.
Real-time market data and mortgage rates
Automatic refresh ensures you see the latest market data
* 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
Equal Housing Lender | © 2026 SRK CAPITAL INC.
Urban living with walkable amenities
Established residential neighborhoods
Growing area with new developments
Discover mortgage opportunities in neighboring communities throughout Santa Cruz County and the Monterey Bay region
Coastal gem known for pumpkin festival and beaches
View Rates →Scenic coastal city with surfing and hiking
View Rates →Garlic Capital of the World with outlet shopping
View Rates →Wine country community in southern Santa Clara Valley
View Rates →Upscale foothill town with boutique shopping
View Rates →Growing city in San Benito Valley with rural charm
View Rates →Historic coastal city with world-famous aquarium
View Rates →Agricultural hub and birthplace of John Steinbeck
View Rates →Charming village known for art galleries and beaches
View Rates →Get pre-approved in minutes and lock in competitive rates for your Capitola home purchase.
Updated 2/24/2026
Santa Cruz Ca Capitola Guide is updated daily with practical mortgage guidance for this page.