The typical owner-occupied home in Aptos is worth about $1,093,300, 49% above the California median of $734,700 and 3.3 times the national median of $332,700. Owners pay a median $6,860 a year in property taxes, about 0.63% of their home's value, lower than the California rate of 0.70%. The median household earns $134,048 a year, so the median home costs 8.2 times the median income (7.4 times for California). 71% of occupied homes here are lived in by their owners, and 63% of those owners still have a mortgage.
Aptos at a glance
| Aptos | California | U.S. | |
|---|---|---|---|
| Median home value | $1,093,300 | $734,700 | $332,700 |
| Median property tax paid per year | $6,860 | $5,124 | $3,119 |
| Property tax as a share of value | 0.63% | 0.70% | 0.94% |
| Median household income | $134,048 | $99,122 | $80,734 |
| Homes lived in by their owners | 71% | 56% | 65% |
| Owner homes with a mortgage | 63% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $3,403 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 22.6% | 24.8% | 21.0% |
| Median rent | $2,059 | $2,036 | $1,413 |
| Rent as a share of renters' income | 24.3% | 32.8% | 30.6% |
| Median year homes were built | 1977 | 1976 | 1980 |
| Vacant homes | 10.6% | 7.5% | 10.1% |
| Population | 6,404 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Aptos
At this week's average 30-year rate of 7.11%, buying the median Aptos home of $1,093,300 with 20% down costs about $6,913 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $8,910, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $296,283 for the 20%-down payment. That payment is 62% of the median Aptos household income of $134,048; at that income and 20% down, the 28% guideline points to a home of about $495,000.
The median rent here is $2,059 a month, so owning the median home costs about $4,854 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $218,660 |
|---|---|
| Loan amount | $874,640 |
| Principal and interest | $5,884 |
| Property taxes (0.63% a year) | $574 |
| Homeowners insurance (our estimate, 0.5% a year) | $456 |
| PMI | $0 |
| Total per month | $6,913 |
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| Down payment | $38,266 |
|---|---|
| Loan amount | $1,073,498 |
| Principal and interest | $7,221 |
| Property taxes (0.63% a year) | $574 |
| Homeowners insurance (our estimate, 0.5% a year) | $456 |
| FHA mortgage insurance | $659 |
| Total per month | $8,910 |
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Questions about home buying in Aptos
What is the median home value in Aptos?
About $1,093,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Aptos?
Homeowners pay a median $6,860 a year, which is about 0.63% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Aptos?
For the median home with 20% down at 7.11%, the payment is about $6,913 a month. Keeping that under 28% of gross income takes about $296,283 a year.
More about Aptos
- Mortgage Refinance in Aptos
- Debt Relief in Aptos
- Home Equity Loans in Aptos
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data