Homes Under $400K in Santa Cruz, CA

Map layers

Safety

Sex offendersRegistered offenders, from official state registriesCamerasLicense-plate readers, CCTV and more, as mapped on OpenStreetMap

17 of 28 Listings

Your local brokerage

Thomas O'Leary

Realty.com

Lic. #01840925

Call Thomas

26Active
$352,000
2 bd · — ba · 1,100 sqft
1040 38th Avenue, Santa Cruz, CA
Shelley Patton · Coldwell Banker Realty
Open house Thu, Oct 8 · 9:30 AM23Active
$399,000
1 bd · 1 ba · 835 sqft
708 Frederick Street 205, Santa Cruz, CA
Judy Brose · CENTURY 21 Masters
23Active
$399,000
1 bd · 1 ba · 835 sqft
708 Frederick Street #205, Santa Cruz, CA
Judy Brose · CENTURY 21 Masters

Listing data & MLS disclosures

BayEast: Listing information provided by BayEast.
The MLS (CLAW): The multiple listings information is provided by The MLS/CLAW from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 The MLS/CLAW. All Rights Reserved. The information provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All properties are subject to prior sale or withdrawal. All information provided is deemed reliable but is not guaranteed accurate, and should be independently verified.
California Regional Multiple Listing Service (CRMLS): The multiple listing data appearing on this website, or contained in reports produced therefrom, is owned and copyrighted by California Regional Multiple Listing Service, Inc. ("CRMLS") and is protected by all applicable copyright laws. Information provided is for viewers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties the viewer may be interested in purchasing. All listing data, including but not limited to square footage and lot size is believed to be accurate, but the listing Agent, listing Broker and CRMLS and its affiliates do not warrant or guarantee such accuracy. The viewer should independently verify the listed data prior to making any decisions based on such information by personal inspection and/or contacting a real estate professional. Based on information from California Regional Multiple Listing Service, Inc. as of 2026-10-06 01:36:41 UTC and /or other sources. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
Listing information ©2026 California Regional Multiple Listing Service, Inc®. All Rights Reserved. Last Updated: 2026-10-06 01:36:41 UTC
MLSListings: Based on information from the MLSListings MLS. Real estate listings held by brokerage firms other than Realty.com are marked with the Broker Listing Exchange icon and detailed information about them includes the names of the listing brokers and listing agents. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Information deemed reliable but not guaranteed. Copyright © 2026 MLSListings, Inc. All Rights Reserved.

About Homes Under $400K in Santa Cruz, CA

Homes Under $400K in Santa Cruz, CA: 28 active listings as of October 6, 2026, 19:54 UTC.

Property types among these 28 listings, by the property type each listing’s MLS reports, spelled as the MLS spells it. Types with fewer than 5 listings, and listings whose MLS reports no type, are not shown, so the shares can total less than 100%.
Property type	Listings	Share
Condominium	15	53.6%
Mobile Home	12	42.9%

Santa Cruz housing market

September 2026 · This period is still settling

Selling at 100.0% of asking price

Sales here are closing essentially at asking. MLS · 61 sales · as of Sep 30, 2026

Homes that sold · County records, as of Sep 15, 2026

Median sale price: $1,470,000$1,148,750–$1,892,500 typical range
Price per sq. ft.: $923
Sales: 30
Paid in cash: 33.3%

Homes on the market · MLS, as of Sep 27, 2026–Sep 30, 2026

Median list price: $1,480,000

Santa Cruz, CA community profile

Population: 61,954
Median income: $99,987
Housing units: 23,204
People per sq. mi.: 630.3
Area: 98.3 sq. mi.

Source: HJN community data

Your local brokerage

Listing data & MLS disclosures

About Homes Under $400K in Santa Cruz, CA

Santa Cruz housing market

Homes that sold · County records, as of Sep 15, 2026

Homes on the market · MLS, as of Sep 27, 2026–Sep 30, 2026

Santa Cruz, CA community profile

Explore Santa Cruz homes

Listing data & MLS disclosures

Santa Cruz, CA community profile

Your local brokerage

Your local brokerage

Santa Cruz housing market

Homes that sold · County records, as of Sep 15, 2026

Homes on the market · MLS, as of Sep 27, 2026–Sep 30, 2026

Price trend · Assessor repeat sales, as of Sep 30, 2026

Housing stock — every home in the area, not only the ones selling or listed · Assessor records, as of Sep 11, 2026