$329,000
937 Cap Tram Rd
Capitola, FL
3 bd2 ba1,420 sqft$232/ft²
House6,534 sqft lot
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Capitola, FL Housing Market
Balanced market
Redfin, through May 2026 · No longer updatingFreddie Mac via FRED, August 2026 · Refreshes weekly
The last median sale price Redfin published was $325,000 (through May 2026). With 2.0 months of supply and homes going under contract in about 91 days, Capitola is a balanced market. At today's 6.66% 30-year fixed rate, 20% down on a $325,000 home is about $1,671/mo in principal and interest.
Key numbers for Capitola, FL
Median sale price
$325,000
Last published period
Redfin, through May 2026
Days on market
91
Slow-moving
Redfin, through May 2026
Active listings
2
2.0 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
$34,710
Home costs 9.4x income
U.S. Census ACS, 2023
Sale-to-list ratio
98.8%
Selling below asking
Redfin, through May 2026
Zillow figures 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 Capitola a buyer's or seller's market?
Balanced market2.0 months of supply91 days on market98.8% of asking
Capitola, FL is a balanced market, based on 2.0 months of supply and homes selling in about 91 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Capitola housing market data show?
Every row below is Redfin's final published month for Capitola, FL. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $325,000 |
| Median list price | $210,000 |
| Median price per sq ft | $229/sq ft |
| Median days on market | 91 days |
| Active inventory | 2 listings |
| Months of supply | 2.0 months |
| Sale-to-list price ratio | 98.8% |
| Homes sold (that month) | 1 |
| New listings (that month) | 1 |
| Market condition | Balanced 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 Capitola is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Capitola 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 Capitola home prices moved?
Across the 13 months we hold for Capitola, FL, the median sale price rose 8.3%, from $300,000 in December 2021 to $325,000. For prices to fall meaningfully from here, supply would have to keep building past 2.0 months while the sale-to-list ratio slips below its current 98.8%. 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 Capitola?
Priced off the median sale price of $325,000 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% | $65,000 | $260,000 | $1,671/mo |
| 5% | $16,250 | $308,750 | $1,984/mo |
Redfin, through May 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 $1,671, that implies roughly $71,607 a year before you add taxes and insurance. The median household in Capitola earns $34,710, about $36,897 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the median sale price to fit the 28% rule. That puts the price-to-income ratio at 9.4x — 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 Capitola in the next 12 months?
Tell us your timeline. We send the Capitola 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 Capitola?
Zillow does not publish a rent index (ZORI) for Capitola, FL, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Capitola?
Active listings in Capitola, FL went from 1 in January 2022 to 2 in May 2026, a +100.0% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| January 2022 | 1 | 1 |
| June 2022 | 1 | not published |
| July 2024 | 5 | 2 |
| September 2024 | 2 | not published |
| December 2024 | 3 | 1 |
| August 2025 | 1 | not published |
| September 2025 | 1 | 1 |
| November 2025 | 1 | not published |
| March 2026 | 1 | not published |
| May 2026 | 2 | 1 |
Redfin, through May 2026
How does Capitola compare to Florida and the U.S.?
Capitola homes sell for $325,000 — 23% below the Florida median of $421,500. Against the national median of $410,700, Capitola runs 21% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Capitola, FL | $325,000 | not published | 91 days |
| Florida statewide | $421,500 | +2.6% | 66 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 Capitola
What buyers should watch
- Months of supply, currently 2.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $313 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 $325,000 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 Capitola listing goes under contract in 91 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 98.8% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Capitola added 1 new listings against 1 sales — more clearing than arriving, which is the better window to list.
- Comparable ZIP-level pricing inside Capitola varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Capitola
There are currently 2 homes listed for sale in Capitola, Florida. The median listing price is $210K.
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Active listings
2
Homes on market
Median list price
$210K
Avg. days on market
91
Days until sale
New this week
1
Newly listed
Sale-to-list:98.8%
How much do homes cost in Capitola by property type?
How the Capitola, FL 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 | $325,000 | $229/sq ft | 1 | 91 days |
Who lives in Capitola?
American Community Survey estimates for Capitola. U.S. Census ACS, 2023
Population
306
Households
155
Median income
$34,710/yr
Median age
51.4 years
Owner-occupied
87.7%
Median home value
$117,400
Median gross rent
$775/mo
Mean commute
22.6 min
87.7% of occupied homes in Capitola 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.
Which cities are near Capitola, FL?
Ordered by distance from Capitola, not by size. Compare Capitola side by side with any of them.
Capitola housing market FAQ
Is Capitola a buyer's or seller's market?
Capitola, FL is currently a balanced market. That read comes from 2.0 months of supply, homes going under contract in about 91 days, and sellers getting 98.8% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Capitola?
The median sale price in the last month Redfin published was $325,000, about $229 per square foot.
Is Capitola cheaper than the rest of Florida?
Capitola's median sale price of $325,000 is 23% lower than the Florida statewide median of $421,500, and 21% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Capitola?
Homes in Capitola, FL spent a median of 91 days on market before going under contract, versus 66 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Capitola?
At the current 30-year fixed rate of 6.66%, 20% down on a $325,000 home is about $1,671 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $71,607 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $34,710.
Are home prices rising in Capitola?
We do not hold a complete 12-month value series for Capitola, FL yet, so we are not going to call a direction. The price chart above shows every period we do have.
What are the cheapest ZIP codes in Capitola?
Capitola 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 Capitola?
That depends on your timeline, not on a headline. What the data says today: Capitola, FL is a balanced market with 2.0 months of supply, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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