Total monthly cost of ownership
Cost to Own a Home in Seacliff, California
A $1,086,000 home here costs
$7,672per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $5,583. The real number is $2,089 higher every month — 37% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Seacliff against Santa Cruz County and California
| Measure | Seacliff | Santa Cruz County |
|---|---|---|
| Median home value | $1,085,900 | $1,015,200 |
| Median property tax | $7,783 | $6,305 |
| Effective tax rate | 0.717% | 0.621% |
| Median gross rent | $2,410 | $2,172 |
| Population | 3,488 | 266,021 |
The weather behind that power bill
Seacliff sits in Santa Cruz County, which averages a high of 76.7°F in its hottest month and a low of 40.9°F in its coldest, with 30.63" of precipitation a year and 60% of it in a single three-month stretch. That climate drives 180 cooling and 2,487 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Santa Cruz County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Santa Cruz County
Full Santa Cruz County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Seacliff?
A $1,086,000 home in Seacliff, California costs approximately $7,672 per month with 20% down at 6.66%. That is $5,583 principal and interest, $649 property tax, $168 homeowners insurance, $367 utilities and $905 set aside for maintenance.
What is the property tax rate in Seacliff?
Seacliff has an effective property tax rate of 0.717%, based on a median home value of $1,085,900 and median real estate taxes of $7,783. That is higher than the Santa Cruz County average of 0.621%.
What is the average home price in Seacliff?
The median owner-occupied home value in Seacliff, California is $1,085,900, against $1,015,200 across Santa Cruz County.
Is it cheaper to rent or buy in Seacliff?
Median gross rent in Seacliff is $2,410 a month, against $7,672 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Seacliff — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for California.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.