Why doesn't this list use the usual quality floor?

Cheapest-ZIPs lists normally include only ZIPs with HavenScore: 60 or above. No ZIP in Santa Cruz County, CA clears that floor this month, so this page shows the county's most affordable scored ZIPs instead — with each ZIP's HavenScore shown, so the trade-off stays visible.

How is "most affordable" measured here?

ZIPs are ranked by median home value from lowest to highest across every scored ZIP in Santa Cruz County, CA. Because no ZIP clears the quality floor this month, no score filter is applied to this list.

How often is this list updated?

This page refreshes monthly when our pipeline ingests new data from Zillow, Redfin, Census, FHFA, and FRED.

Cheapest ZIPs in Santa Cruz County, CA

No ZIP in Santa Cruz County, CAclears the HavenScore: 60 quality floor this month — in high-cost counties, low prices and strong scores rarely overlap. Below is the affordable end anyway: the county’s most affordable scored ZIPs, ranked by median home value with each ZIP’s score shown. Refreshed July 2026.

1
95064
Santa Cruz, CA
$707,219
HavenScore: 37
2
95006
Boulder Creek, CA
$727,731
HavenScore: 39
3
95019
Freedom, CA
$758,935
HavenScore: 29
4
95007
Boulder Creek, CA
$767,687
HavenScore: 38
5
95041
Felton, CA
$799,375
HavenScore: 47
6
95076
Watsonville, CA
$838,101
HavenScore: 37
7
95018
Ben Lomond, CA
$838,456
HavenScore: 36
8
95005
Ben Lomond, CA
$916,968
HavenScore: 35
9
95017
Davenport, CA
$985,449
HavenScore: 33
10
95010
Capitola, CA
$1,250,289
HavenScore: 35

Frequently asked questions

Why doesn't this list use the usual quality floor?: Cheapest-ZIPs lists normally include only ZIPs with HavenScore: 60 or above. No ZIP in Santa Cruz County, CA clears that floor this month, so this page shows the county's most affordable scored ZIPs instead — with each ZIP's HavenScore shown, so the trade-off stays visible.
How is "most affordable" measured here?: ZIPs are ranked by median home value from lowest to highest across every scored ZIP in Santa Cruz County, CA. Because no ZIP clears the quality floor this month, no score filter is applied to this list.
How often is this list updated?: This page refreshes monthly when our pipeline ingests new data from Zillow, Redfin, Census, FHFA, and FRED.

Related pages

Frequently asked questions