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Market Snapshot

Median listing price
$1.77M

The median listing price in Aptos, CA ZIP 95003 is $1,772,500 as of June 2026.

Median rent
$3,800/mo

The median market rent in Aptos, CA ZIP 95003 is $3,800/month as of June 2026.

Days on market
263 days

The median days on market in Aptos, CA ZIP 95003 is 263 days as of June 2026. The market is currently neutral.

Gross rental yield
2.57%

At a median list price of $1,772,500 and a median rent of $3,800/month, the gross rental yield in Aptos, CA ZIP 95003 is 2.57% as of June 2026.

STR vs LTR
$4,411/mo STR · $3,800/mo LTR

In Aptos, CA ZIP 95003, median Airbnb revenue is $4,411/month compared to median long-term rent of $3,800/month as of June 2026.

Aptos, CA 95003 Real Estate Market Report

ZIP Code: 95003

Report Date: June 2026

Market Temperature:
NEUTRAL

Scope: This ZIP code analysis focuses on single-family residential (SFR) properties. Metrics are calculated from recent sales and active listings within the past 90 days.


Market Overview

This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

Analysis Window
90 Days
Total Properties Analyzed
198
Active Listings
47
Sold Properties
151

Market Metrics

Median Listing Price
$1,772,500
Median Sold Price
$1,320,000
Median Price per Sqft
$797/sqft

The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.


Rental Market

Median Market Rent
$3,800

Note: The relationship between property values and rental rates reflects different market dynamics. Higher-priced properties may have lower rental yields due to factors such as luxury market positioning, owner-occupancy preferences, or long-term appreciation strategies rather than immediate rental income maximization.


Property Taxes

Property Tax Rate
0.86%

Liquidity & Velocity

Median Days on Market
263
Sale-to-List Ratio
100.0%

Note: A Sale-to-List Ratio near 100% can occur when properties sell at or near their final listing price after price adjustments during the listing period, even when initial listing prices differ significantly from sale prices.


Market Trends & Context

Understanding Market Temperature

A Neutral market indicates balanced conditions where neither buyers nor sellers have a strong advantage, typically characterized by flat price trends, extended but stable days on market, and moderate inventory relative to sales.

Price YoY Trend
up
Market Temperature
neutral
Rent YoY Trend
up
Interest Rate Pressure
elevated

Current Mortgage Rate Context

Market-level mortgage rate comparison for this area:

Current 30-year fixed mortgage rates in Aptos, CA, are averaging approximately 6.53%, reflecting a market environment where rates have remained elevated throughout the first half of 2026.

Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.


Key Findings

  1. $1,320,000 median sold price is the primary indicator of market value and recent transaction activity in Aptos; this representative recent sale level suggests modest appreciation when combined with the documented up price year-over-year trend, and should be the focal point for valuation and comps work.
  2. $1,772,500 median listing price sits above the median sold price, which may indicate pricing friction between seller expectations and completed transactions and suggests careful list-price positioning is important when marketing SFR and condo inventory.
  3. 263 median days on market points to slower sales velocity relative to hot markets and, when considered alongside a neutral market temperature, suggests transactions are proceeding without strong directional pressure toward either buyers or sellers.
  4. $797 median price per square foot and $3,800 median market rent together indicate premium pricing relative to rental cash flows; with rent on an up trend and elevated interest rate pressure, investors should expect tighter affordability and assess financing sensitivity carefully.

Notable Properties

The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.

Recent Transactions

422 Seaview Dr, Aptos, CA 95003
Top Sale

Highest sale in the past 90 days. Fully renovated with modern finishes and premium lot positioning.

4 beds6 baths7,640 sqft
$7,424,500
May 1, 2026
$972/sqft/sqft
718 days on market
616 Bayview Dr, Aptos, CA 95003
Premium

Sold above market average

4 beds4 baths6,193 sqft
$5,588,000
May 1, 2026
$902/sqft/sqft
355 days on market
532 Bayview Dr, Aptos, CA 95003
Premium

Sold above market average

3 beds3 baths2,282 sqft
$4,400,000
May 1, 2026
$1,928/sqft/sqft
89 days on market
404 Belle Monti Ct, Aptos, CA 95003
Market Benchmark

Representative market sale establishing baseline for properties in the core neighborhood.

3 beds2 baths1,888 sqft
$1,490,000
May 1, 2026
$789/sqft/sqft
188 days on market
405 Dorsey Ave, Aptos, CA 95003
Market Benchmark

Representative market sale establishing baseline for properties in the core neighborhood.

3 beds2 baths1,976 sqft
$1,490,000
May 1, 2026
$754/sqft/sqft
306 days on market
261 Aptos Beach Dr Apt Os, Aptos, CA 95003
Market Benchmark

Representative market sale establishing baseline for properties in the core neighborhood.

3 beds2 baths1,880 sqft
$1,478,000
May 1, 2026
$786/sqft/sqft
827 Valencia Rd, Aptos, CA 95003
Value

Sold below market average

2 beds1 baths1,775 sqft
$565,000
Apr 1, 2026
$318/sqft/sqft
465 days on market
812 Loma Prieta Dr, Aptos, CA 95003
Value

Sold below market average

3 beds2 baths1,548 sqft
$455,000
May 1, 2026
$294/sqft/sqft
192 days on market

Investment Analysis

Compare rental income potential against ownership costs and benchmark against market averages.

Rent vs Cost to Own

Monthly rental income vs estimated ownership cost

-$4,230/mo
95003 Avg Rent
95003 Cost to Own
Rent$3,800
Own$8,030

20% down, 6.53% rate, 0.9% tax

Short-Term Rental

Avg nightly rate and occupancy for this ZIP

95003 Avg nightly rate
95003 Avg occupancy (days/year)
Nightly rate$378/night
Occupancy113 of 365 days

Data Sources

Real estate market data & public records, and GemHaus® proprietary models.

Report generated: 6/1/2026

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