Santa Cruz, CA (Metro) - Trend of Total Monthly Payments: 10% Down - All Homes - Smoothed and Seasonally Adjusted (Zillow)

Updated on March 22, 2026.

According to data from Zillow.com, the smoothed and seasonally adjusted Total Monthly Payments with 10% down for all homes in the Santa Cruz, CA Metro in February 2026 was $8,282.695. The month over month percentage change (MoM) was -0.34%, and the year over year percentage change (YoY) was -4.90%.

The chart below shows the trend of the total monthly payments with 10% down for all homes in the Santa Cruz, CA metro. The table below shows the trend of the the total monthly payments with 10% down, and the MoM and YoY percentage changes for all homes in the Santa Cruz, CA metro.

You can see similar information for other US metros, and for the United States.

Note: The Total Monthly Payment value is an estimate of the total monthly payment on a new home purchase with current interest rates. The total monthly payment includes the mortgage payment, homeowner’s insurance, property taxes, and maintenance costs worth 0.5% of the home’s value. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance. Homeowners insurance rates and property tax rate estimates vary by region.

Data Source: Zillow.
Santa Cruz, CA (Metro) - Trend of Total Monthly Payments: 10% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Santa Cruz, CA (Metro) - Trend of Total Monthly Payments: 10% Down - All Homes - Smoothed and Seasonally Adjusted
1 – 10 of 170
Month Total Monthly Payment ($) MoM Perc. Change (%) YoY Perc. Change (%)
Jan 2012 2883.0381214271865 NaN NaN
Feb 2012 2877.541030133943 -0.19 NaN
Mar 2012 2894.3709425249276 0.59 NaN
Apr 2012 2896.4204447387474 0.07 NaN
May 2012 2887.3536454119962 -0.31 NaN
Jun 2012 2884.6787634076118 -0.09 NaN
Jul 2012 2878.9184032058297 -0.20 NaN
Aug 2012 2916.204959366491 1.30 NaN
Sep 2012 2915.468720398347 -0.02 NaN
Oct 2012 2915.7145727786706 0.01 NaN
Nov 2012 2936.963842520192 0.73 NaN
Dec 2012 2975.1473467934493 1.30 NaN
Jan 2013 3034.008010838795 1.98 5.24
Feb 2013 3108.345379143673 2.45 8.02
Mar 2013 3159.234966043146 1.64 9.15
Apr 2013 3182.961187168626 0.75 9.89
May 2013 3259.4415117981557 2.40 12.89
Jun 2013 3450.757934686026 5.87 19.62
Jul 2013 3559.7749085206847 3.16 23.65
Aug 2013 3599.43796122244 1.11 23.43
Sep 2013 3621.462897008721 0.61 24.22
Oct 2013 3559.8254617684156 -1.70 22.09
Nov 2013 3605.458858846039 1.28 22.76
Dec 2013 3696.3941543834558 2.52 24.24
Jan 2014 3533.591956494448 -4.40 16.47
Feb 2014 3534.4164303901184 0.02 13.71
Mar 2014 3586.8066395514916 1.48 13.53
Apr 2014 3637.495696789312 1.41 14.28
May 2014 3640.243284695279 0.08 11.68
Jun 2014 3664.493432040219 0.67 6.19
Jul 2014 3663.6421018983224 -0.02 2.92
Aug 2014 3660.305262500675 -0.09 1.69
Sep 2014 3686.5437198145532 0.72 1.80
Oct 2014 3676.7379809919066 -0.27 3.28
Nov 2014 3704.6208016243772 0.76 2.75
Dec 2014 3705.3646132767626 0.02 0.24
Jan 2015 3661.466617585533 -1.18 3.62
Feb 2015 3721.8278572190516 1.65 5.30
Mar 2015 3779.9314580185533 1.56 5.38
Apr 2015 3786.353391520226 0.17 4.09
May 2015 3871.152794299628 2.24 6.34
Jun 2015 3948.9278427164545 2.01 7.76
Jul 2015 3991.4826630499037 1.08 8.95
Aug 2015 3963.5117917365496 -0.70 8.28
Sep 2015 3988.7647112113477 0.64 8.20
Oct 2015 4000.516533737872 0.30 8.81
Nov 2015 4096.774174336393 2.41 10.59
Dec 2015 4143.227272953738 1.13 11.82
Jan 2016 4137.330052897618 -0.14 13.00
Feb 2016 4116.704890661964 -0.50 10.61
Mar 2016 4173.564815845737 1.38 10.41
Apr 2016 4171.21911111361 -0.06 10.16
May 2016 4172.812128658954 0.04 7.79
Jun 2016 4164.099513893594 -0.21 5.45
Jul 2016 4116.548162007561 -1.14 3.13
Aug 2016 4114.4814633791775 -0.05 3.81
Sep 2016 4123.1468797608495 0.21 3.37
Oct 2016 4143.323765436879 0.49 3.57
Nov 2016 4281.695095299774 3.34 4.51
Dec 2016 4490.430209751958 4.88 8.38
Jan 2017 4508.058039054202 0.39 8.96
Feb 2017 4552.813861608893 0.99 10.59
Mar 2017 4586.2388417839975 0.73 9.89
Apr 2017 4552.021198162787 -0.75 9.13
May 2017 4550.899372664632 -0.02 9.06
Jun 2017 4529.259107287353 -0.48 8.77
Jul 2017 4571.166888967454 0.93 11.04
Aug 2017 4552.757079518778 -0.40 10.65
Sep 2017 4543.177962527306 -0.21 10.19
Oct 2017 4612.912267217078 1.54 11.33
Nov 2017 4676.805122403931 1.39 9.23
Dec 2017 4745.216055630711 1.46 5.67
Jan 2018 4822.182535569742 1.62 6.97
Feb 2018 4988.381239702875 3.45 9.57
Mar 2018 5066.284094064227 1.56 10.47
Apr 2018 5108.30455875994 0.83 12.22
May 2018 5190.240991572394 1.60 14.05
Jun 2018 5209.858416316493 0.38 15.03
Jul 2018 5195.616428583447 -0.27 13.66
Aug 2018 5204.568249153409 0.17 14.32
Sep 2018 5242.308311671752 0.73 15.39
Oct 2018 5347.803026576772 2.01 15.93
Nov 2018 5374.9379196650925 0.51 14.93
Dec 2018 5266.837583769304 -2.01 10.99
Jan 2019 5189.3390786944365 -1.47 7.61
Feb 2019 5116.670018685597 -1.40 2.57
Mar 2019 5054.508870791221 -1.22 -0.23
Apr 2019 4996.207714688293 -1.15 -2.19
May 2019 4973.73677559189 -0.45 -4.17
Jun 2019 4867.162623066486 -2.14 -6.58
Jul 2019 4859.516467529766 -0.16 -6.47
Aug 2019 4806.192798540422 -1.10 -7.65
Sep 2019 4807.398728075963 0.03 -8.30
Oct 2019 4842.2752477296 0.73 -9.45
Nov 2019 4845.61780765105 0.07 -9.85
Dec 2019 4859.990134302887 0.30 -7.72
Jan 2020 4844.85395685927 -0.31 -6.64
Feb 2020 4806.554822131003 -0.79 -6.06
Mar 2020 4838.08030994564 0.66 -4.28
Apr 2020 4811.422190902541 -0.55 -3.70
May 2020 4786.054140085151 -0.53 -3.77
Jun 2020 4744.324355302377 -0.87 -2.52
Jul 2020 4683.326186413203 -1.29 -3.63
Aug 2020 4684.710698676955 0.03 -2.53
Sep 2020 4733.243244892937 1.04 -1.54
Oct 2020 4792.968094342293 1.26 -1.02
Nov 2020 4853.294030124484 1.26 0.16
Dec 2020 4907.17302631859 1.11 0.97
Jan 2021 4934.962760468592 0.57 1.86
Feb 2021 5056.030435684432 2.45 5.19
Mar 2021 5270.215314107606 4.24 8.93
Apr 2021 5369.022794017192 1.88 11.59
May 2021 5445.062924934091 1.42 13.77
Jun 2021 5581.483466812428 2.51 17.65
Jul 2021 5631.764627960218 0.90 20.25
Aug 2021 5675.4115352627705 0.78 21.15
Sep 2021 5722.204604991504 0.82 20.89
Oct 2021 5835.867384670775 1.99 21.76
Nov 2021 5883.216148069581 0.81 21.22
Dec 2021 5962.051091929722 1.34 21.50
Jan 2022 6231.816596925961 4.53 26.28
Feb 2022 6563.974819028043 5.33 29.83
Mar 2022 7012.226453185462 6.83 33.05
Apr 2022 7705.926142799537 9.89 43.53
May 2022 7999.699374199816 3.81 46.92
Jun 2022 8225.571926802913 2.82 47.37
Jul 2022 8071.353453093759 -1.87 43.32
Aug 2022 7802.672475747514 -3.33 37.48
Sep 2022 8229.606868591763 5.47 43.82
Oct 2022 8647.30511013262 5.08 48.18
Nov 2022 8514.955712580437 -1.53 44.73
Dec 2022 8162.179497775682 -4.14 36.90
Jan 2023 8056.948708903544 -1.29 29.29
Feb 2023 7959.301602333219 -1.21 21.26
Mar 2023 8078.456884469808 1.50 15.21
Apr 2023 7954.967537652515 -1.53 3.23
May 2023 8047.902887295059 1.17 0.60
Jun 2023 8299.027900429906 3.12 0.89
Jul 2023 8468.779489074215 2.05 4.92
Aug 2023 8708.07679354592 2.83 11.60
Sep 2023 8870.074756654678 1.86 7.78
Oct 2023 9186.965089578847 3.57 6.24
Nov 2023 9055.030309937316 -1.44 6.34
Dec 2023 8595.681614791018 -5.07 5.31
Jan 2024 8460.854070812775 -1.57 5.01
Feb 2024 8543.252452802739 0.97 7.34
Mar 2024 8611.155420120127 0.80 6.59
Apr 2024 8789.005245671287 2.07 10.48
May 2024 8873.090004828471 0.96 10.25
Jun 2024 8780.98170464086 -1.04 5.81
Jul 2024 8729.354648187857 -0.59 3.08
Aug 2024 8500.057219315884 -2.63 -2.39
Sep 2024 8300.243740441858 -2.35 -6.42
Oct 2024 8445.915648406559 1.76 -8.07
Nov 2024 8672.785666793901 2.69 -4.22
Dec 2024 8593.575511154682 -0.91 -0.02
Jan 2025 8805.809378312431 2.47 4.08
Feb 2025 8709.583212617685 -1.09 1.95
Mar 2025 8549.970657250515 -1.83 -0.71
Apr 2025 8575.61130653533 0.30 -2.43
May 2025 8613.465059149446 0.44 -2.93
Jun 2025 8591.610999920764 -0.25 -2.16
Jul 2025 8521.457983317749 -0.82 -2.38
Aug 2025 8428.59262242522 -1.09 -0.84
Sep 2025 8306.487148301372 -1.45 0.08
Oct 2025 8279.129101483402 -0.33 -1.97
Nov 2025 8322.878692543727 0.53 -4.03
Dec 2025 8346.783381508576 0.29 -2.87
Jan 2026 8310.834941066876 -0.43 -5.62
Feb 2026 8282.694535774815 -0.34 -4.90