North Santa Cruz, Monte Sereno Housing Market · 2026

Data through Aug 2026

Data curated by Melanie Tan, 8 Blocks Real Estate · How this data works

North Santa Cruz, Monte Sereno Market Snapshot

North Santa Cruz is shifting toward buyers. Here's where things stand:

Based on 7 homes sold in the 3 months ending August 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Enough to see the trend, but individual sales still move the median. Updated weekly.

Data through August 2026

SalesWhat are homes selling for?
Median Sale Price
$3.65M
▼ Down 4.6% from August 2025
Down $177K from August 2025
Homes Sold
7
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$23,953/mo
7.28% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$19,969
  • Property Tax$3,800
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
27 days
▲ 18 more days than in August 2025
Homes typically sell within a month
Sale-to-List Ratio
99.0%
▼ Down from 105.7% in August 2025
Selling 1% below asking
% Sold Over Asking
43%
43% of homes sold above asking, some competition
Active Listings
8
▲ Up 25.4% from August 2025
About 3.2 months of supply. Moderate selection available

Market Trends

See how prices, monthly costs, and mortgage rates have moved in North Santa Cruz.

Median Sale Price
Down 4.6% year-over-year in North Santa Cruz. Based on 7 sales in the last 3 months.
Homes Sold
About the same sales volume as a year ago in North Santa Cruz.
Total Monthly Payment
Estimated monthly cost is down 4% from a year ago in North Santa Cruz, reflecting changes in both price and mortgage rates.

Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.

30-Year Fixed Mortgage Rate (National Avg.)
National average currently at 7.28%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about North Santa Cruz, Monte Sereno

Is now a good time to buy in North Santa Cruz, Monte Sereno?

North Santa Cruz, Monte Sereno currently leans toward buyers. Homes are sitting longer and sellers are more open to negotiation. It is a good time to take your time, request contingencies, and consider offering below asking.

How do North Santa Cruz, Monte Sereno home prices compare to the Bay Area average?

At $3.65M, North Santa Cruz, Monte Sereno's median sits about 105% above the Bay Area average of $1.78M. North Santa Cruz, Monte Sereno is on the higher end of the regional market.

Within Monte Sereno, this area trades about 14% below the city-wide median of $4.25M.

How competitive is North Santa Cruz, Monte Sereno for buyers?

North Santa Cruz, Monte Sereno currently leans toward buyers:

  • Homes sell about 1% below asking on average
  • 43% close above list price
  • 27 days typical time to go pending

Buyer strategy: a well-structured offer near or below list price has a good chance of success.

What will my total monthly cost be on a median-priced North Santa Cruz, Monte Sereno home?

At $3.65M with 20% down at 7.28%, your estimated total monthly cost is approximately $23,953:

  • $19,969 principal and interest
  • $3,800 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra.

No noise, just a quick weekly read on what's going on in your market.

Melanie Tan
Melanie Tan
DRE #02250755
“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
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