5 Most Affordable Neighborhoods In Santa Cruz To Buy Homes

Posted by Lauren Spencer on Wednesday, November 1st, 2017 at 2:41pm.

Recently, Santa Cruz was named one of the five least affordable real estate markets in the United States of America. A median home in Santa Cruz would run someone approximately $650,000. Over 100 percent of a families wages would go towards paying their mortgage. With all this negativity towards purchasing homes in Santa Cruz, we’re going to bring a little positivity to the process. You might be asking yourself, is there affordable housing in Santa Cruz?

The short answer? Absolutely.

Here are the top five most affordable communities in Santa Cruz to buy homes:

Watsonville, CA

Located at the southern end of Santa Cruz County, Watsonville is known for its rich agricultural heritage. Moreover, it is a hotbed for berries. This “small” town (it has a population of over 52,000 people) is only a short drive to other major cities such as Monterey or Big Sur. Homes in Watsonville are perfect for single families who are looking for something affordable. A quaint, comfortable feel awaits new homeowners of Watsonville property. Watsonville homes are on the market from $295,000 to around $550,000.

Scotts Valley, CA

Only six miles north of Santa Cruz rests the town of Scotts Valley. A general law town, Scotts Valley is home to approximately 12,000 residents. Currently, Scotts Valley is making arrangements to expand their community by building and developing more housing and retail opportunities. Dressed in a modern-day design, Scotts Valley residences offer a luxurious look at a lesser price. Hardwood floor throughout the kitchen and dining area offers an easy to maintain the atmosphere. Marble-designed countertops complement the kitchen setup, providing a well-structured area. You can find homes for sale in Scotts Valley for as low as $345,000.

Boulder Creek, CA

A neighborhood rich with historical flavor, Boulder Creek is the gateway town to Big Basin Redwoods State Park, which is California’s oldest state park. Boulder Creek is primarily known for its logging roots, but it's developing into a more sought after area to call home. You will find that the majority of housing in Boulder Creek is covered in a veil of nature, perfect for those who love to be close to the outdoors. Boulder Creek's bungalow design offers homeowners an opportunity to maintain a quaint, quiet atmosphere while still providing the opportunity to take advantage of the large open areas in the front and back yards. Often times, homes in Boulder Creek start at roughly $349,000.

Felton, CA

In the San Lorenzo Valley, Felton is a tourist community known for its ties to the railroad. If you’re looking to involve yourself in an area that is rich with outdoor activities, then Felton is the spot for you. There are a combined 80 miles of available trails to access at the nearby state parks. Felton is also recognized for the Felton Covered Bridge, an 80 foot long covered bridge over the San Lorenzo River. Felton's bungalow-style home design offers a quiet, off the beaten path style of living. The surrounding trees offer a sense of privacy to all homeowners in the area. If Felton is a destination that appeals to you, available homes start at around $395,000.

Ben Lomond, CA

Ben Lomond is located 12 miles from Santa Cruz, and 34 miles from San Jose, California which is the nearest major city. This community got its name in 1887 after residents chose to adopt the name given to the mountain to the west. The neighborhood offers a nice balance between city life and natural life, as the community has several trails to enjoy. These charming character style homes are perfect for those families who would enjoy living amongst nature. Homes in the area offer interior hardwood flooring and detached garages. These Ben Lomond homes typically sell for as low as $499,900.

About Lauren Spencer

Award-Winning Santa Cruz REALTOR®

Lauren Spencer is your local real estate expert, specializing in Santa Cruz real estate and surrounding communities—this is where she lives, works, and plays too. Let her know your questions about the community and county and she'll be happy to fill you in on all you want to know! Lauren Spencer has consistently been voted best local REALTOR in Santa Cruz and is always happy to offer her advice and expertise. Call her at: 800.226.4717.

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