$665,000
221 Seascape Resort Dr
Aptos, CA
1 bd1 ba616 sqft$1080/ft²
Condo
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Sarah Mitchell
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Compass Real Estate · Aptos, CA
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Aptos, CA(512) 555-0184TX License #0512847
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Aptos, CA Housing Market
Buyer's market+1.8% YoY
Zillow, July 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, August 2026 · Refreshes weekly
The typical home in Aptos, CA is worth $1.35M, rose 1.8% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $1.25M, +19.1% year over year (through May 2026). With 23.0 months of supply and homes going under contract in about 35 days, Aptos is a buyer's market. At today's 6.66% 30-year fixed rate, 20% down on a $1.35M home is about $6,935/mo in principal and interest.
Key numbers for Aptos, CA
Typical home value
$1.35M
+1.8% in 12 months
Zillow, July 2026
Typical asking rent
$3,924/mo
Zillow Observed Rent Index
Zillow, July 2026
Median sale price
$1.25M
+19.1% year over year
Redfin, through May 2026
Days on market
35
Average pace
Redfin, through May 2026
Active listings
23
23.0 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$135,349
Home costs 10.0x income
U.S. Census ACS, 2023
Sale-to-list ratio
96.8%
Selling below asking
Redfin, through May 2026
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Aptos a buyer's or seller's market?
Buyer's market23.0 months of supply35 days on market96.8% of asking
Aptos, CA is a buyer's market, based on 23.0 months of supply and homes selling in about 35 days. Above 7 months of supply is a glut: inventory is well ahead of the sales pace, and buyers can take time to inspect, compare, and negotiate concessions.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Aptos housing market data show?
Every row below is Redfin's final published month for Aptos, CA. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $1.25M |
| Median list price | $1.10M |
| Year-over-year price change | +19.1% |
| Median price per sq ft | $584/sq ft |
| Median days on market | 35 days |
| Active inventory | 23 listings |
| Months of supply | 23.0 months |
| Sale-to-list price ratio | 96.8% |
| Homes sold (that month) | 1 |
| New listings (that month) | 9 |
| Listings with a price cut | 26.1% |
| Market condition | Buyer's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Aptos is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Aptos is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Aptos home prices moved?
Over the last three years the median sale price in Aptos, CA fell 36.1%, from $1.96M to $1.25M. The live Zillow value series has rose 1.8% in the last 12 months, which is the more current read now that Redfin's series has stopped. 26.1% of Aptos listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 23.0 months while the sale-to-list ratio slips below its current 96.8%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Aptos?
Priced off the typical home value of $1.35M at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $269,778 | $1.08M | $6,935/mo |
| 5% | $67,445 | $1.28M | $8,235/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $6,935, that implies roughly $297,200 a year before you add taxes and insurance. The median household in Aptos earns $135,349, about $161,851 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 10.0x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Aptos in the next 12 months?
Tell us your timeline. We send the Aptos market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Aptos?
Typical asking rent in Aptos, CA is $3,924/mo, against a typical home value of $1.35M. That is a price-to-rent ratio of 28.6x, which means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Compared head to head, 20% down puts principal and interest at $6,935 a month — $3,011 more than renting before taxes and insurance, so the ownership case here rests on equity and appreciation rather than monthly cash flow.
Zillow, July 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Aptos?
Active listings in Aptos, CA went from 22 in May 2025 to 23 in May 2026, a +4.5% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 22 | 8 |
| July 2025 | 17 | 6 |
| August 2025 | 19 | 6 |
| September 2025 | 16 | 10 |
| October 2025 | 15 | 10 |
| November 2025 | 16 | 3 |
| December 2025 | 12 | 4 |
| January 2026 | 14 | 7 |
| February 2026 | 12 | 5 |
| March 2026 | 17 | 11 |
| April 2026 | 21 | 8 |
| May 2026 | 23 | 9 |
Redfin, through May 2026
How does Aptos compare to California and the U.S.?
Aptos homes sell for $1.25M — 41% above the California median of $887,400. Against the national median of $410,700, Aptos runs 204% higher. Year-over-year, Aptos moved +19.1% against California's +3.4% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Aptos, CA | $1.25M | +19.1% | 35 days |
| California statewide | $887,400 | +3.4% | 33 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Aptos
What buyers should watch
- Months of supply, currently 23.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 26.1%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $1,300 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $1.35M home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Aptos listing goes under contract in 35 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 96.8% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Aptos added 9 new listings against 1 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +1.8% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Aptos varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Aptos
There are currently 23 homes listed for sale in Aptos, California. The median listing price is $1.1M. Featured listings range from $665,000 to $1,550,000.
$699,000
1073 Larsen Rd
Aptos, CA
Land18.89 acres
View photos & details
$799,000
4444 Trout Gulch Rd
Aptos, CA
Land19.88 acres
View photos & details
$849,000
740 Loma Prieta Dr
Aptos, CA
3 bd3 ba1,558 sqft$545/ft²
House14,244 sqft lot
View photos & details
$859,000
2921 Crocker Ct
Aptos, CA
2 bd2 ba1,381 sqft$622/ft²
Townhouse
View photos & details
$950,000
537 Santa Marguarita Dr
Aptos, CA
2 bd2 ba1,592 sqft$597/ft²
House7,013 sqft lot
View photos & details
$1,225,000
101 Aptos Village Way Unit 1
Aptos, CA
2 bd3 ba1,419 sqft$863/ft²
Condo
View photos & details
$1,225,000
131 Aptos Village Way Unit 4
Aptos, CA
2 bd3 ba1,423 sqft$861/ft²
Condo
View photos & details
$1,250,000
204 Aptos Beach Dr
Aptos, CA
3 bd2 ba1,204 sqft$1038/ft²
House1,960 sqft lot
View photos & details
$1,349,000
450 Granite Way
Aptos, CA
3 bd3 ba1,706 sqft$791/ft²
Townhouse
View photos & details
$1,488,000
261 Aptos Beach Dr
Aptos, CA
3 bd2 ba1,880 sqft$791/ft²
House4,966 sqft lot
View photos & details
$1,550,000
2110 Dolphin Dr
Aptos, CA
3 bd2 ba1,718 sqft$902/ft²
House6,229 sqft lot
View photos & details
Looking to buy in Aptos?
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Active listings
23
Homes on market
Median list price
$1.1M
Avg. days on market
35
Days until sale
New this week
9
Newly listed
Price drops:26.1%of listings
Sale-to-list:96.8%
How much do homes cost in Aptos by property type?
How the Aptos, CA market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $1.25M | $584/sq ft | 1 | 35 days |
| Condo / co-op | $895,000 | $609/sq ft | 3 | 76 days |
| Townhouse | $838,000 | $522/sq ft | 1 | 49 days |
Who lives in Aptos?
American Community Survey estimates for Aptos. U.S. Census ACS, 2023
Population
6,124
Households
2,382
Median income
$135,349/yr
Median age
49.5 years
Owner-occupied
70.0%
Median home value
$1.10M
Median gross rent
$1,826/mo
Mean commute
26.5 min
70.0% of occupied homes in Aptos are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $1.10M against Zillow's $1.35M typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $1,826/mo, below Zillow's $3,924/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Aptos?
6 schools tracked · 3,226 students
The largest public schools serving Aptos, CA by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Aptos High
Grades 9-12 · 1,316 students
Aptos Junior High
Grades 7-8 · 588 students
Valencia Elementary
Grades K-6 · 487 students
Rio del Mar Elementary
Grades K-6 · 408 students
Mar Vista Elementary
Grades K-6 · 311 students
Delta Charter
Grades 9-12 · 116 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Aptos, CA?
Ordered by distance from Aptos, not by size. Compare Aptos side by side with any of them.
Aptos housing market FAQ
Is Aptos a buyer's or seller's market?
Aptos, CA is currently a buyer's market. That read comes from 23.0 months of supply, homes going under contract in about 35 days, and sellers getting 96.8% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Aptos?
The typical home in Aptos, CA is worth $1.35M (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $1.25M, about $584 per square foot.
Is Aptos cheaper than the rest of California?
Aptos's median sale price of $1.25M is 41% higher than the California statewide median of $887,400, and 204% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Aptos?
Homes in Aptos, CA spent a median of 35 days on market before going under contract, versus 33 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Aptos?
At the current 30-year fixed rate of 6.66%, 20% down on a $1.35M home is about $6,935 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $297,200 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $135,349.
Are home prices rising in Aptos?
The typical home value in Aptos, CA rose 1.8% over the last 12 months, from $1.33M to $1.35M (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Aptos?
Aptos ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Aptos?
That depends on your timeline, not on a headline. What the data says today: Aptos, CA is a buyer's market with 23.0 months of supply, the 30-year fixed rate is 6.66%, and the price-to-rent ratio of 28.6x means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Properties Incorporated publishes the data; it does not give financial advice.
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