CA mortgage rates

Santa Cruz County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Santa Cruz County, California. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Santa Cruz County

Conforming Loan Limits

Per property
1 unit$1,249,125
2 units$1,599,375
3 units$1,933,200
4 units$2,402,625

FHA Loan Limits

Per property
1 unit$1,249,125
2 units$1,599,375
3 units$1,933,200
4 units$2,402,625

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Santa Cruz County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Santa Cruz

A local view of the market.

Santa Cruz County, CA, has a strong real estate market with median home values around $1.25 million in 2024. Known for its beaches and coastal towns, it’s popular among retirees and professionals. Santa Cruz, the largest city, has a population of around 64,000, while Watsonville and Scotts Valley are also key cities. Santa Cruz County offers a coastal-suburban lifestyle with an economy based on tourism, agriculture, and small businesses. Its natural beauty, outdoor activities, and relaxed atmosphere attract residents seeking beach living with a close-knit community feel.

County snapshot

Market context.

CA

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaSanta Cruz-WatsonvilleMapped market area
Area code42100CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Santa Cruz County

Common questions about 2026 loan limits and refinancing opportunities in California.

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