Aptos, CA 95003 Real Estate Market Report
ZIP Code: 95003
Report Date: May 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.
Market Metrics
Note: 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
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
Liquidity & Velocity
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.
Current Mortgage Rate Context
Market-level mortgage rate comparison for this area:
Current 30-year fixed mortgage rates in the Aptos 95003 market are averaging approximately 6.35%, which is 0.48% higher than the 5.87% average observed in February 2026.
Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.
Key Findings
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The primary market signal is the <b>median sold price</b> of 1,392,500, which indicates recent transaction-level value for SFR and condo sales in Aptos and, combined with a up price year-over-year trend, suggests modest appreciation pressure.
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There is a meaningful gap between the <b>median listing price</b> of 1,613,500 and the <b>median sold price</b> of 1,392,500, which may indicate pricing friction where seller expectations exceed recent transaction prices and could support increased buyer negotiation leverage.
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Slower sales velocity is evident from a long <b>median days on market</b> of 287, which suggests extended marketing periods and moderate liquidity despite the neutral market temperature; expect more price sensitivity and longer decision timelines on offers.
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Financing and carrying-cost context: the local average 30-year rate is <b>6.35%</b> (about <b>0.48%</b> higher than the February 2026 average), combined with moderate interest rate pressure — this may temper buyer purchasing power and lengthen time-to-sale for marginal listings while supporting cautious seller pricing strategies.
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
Highest sale in the past 90 days. Fully renovated with modern finishes and premium lot positioning.
Sold above market average
Sold above market average
Representative market sale establishing baseline for properties in the core neighborhood.
Representative market sale establishing baseline for properties in the core neighborhood.
Representative market sale establishing baseline for properties in the core neighborhood.
Sold below market average
Sold below market average
Aptos, CA 95003 Real Estate Market Report
ZIP Code: 95003
Report Date: May 2026
Market Temperature: NEUTRAL
Scope: This ZIP code analysis focuses on condominium properties. Metrics are calculated from recent condo 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.
Market Metrics
Note: 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
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
Liquidity & Velocity
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.
Current Mortgage Rate Context
Market-level mortgage rate comparison for this area:
Current 30-year fixed mortgage rates in the Aptos 95003 market are averaging approximately 6.35%, which is 0.48% higher than the 5.87% average observed in February 2026.
Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.
Key Findings
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The primary market signal is the median sold price of $939,000, which reflects recent transaction activity and suggests the neighborhood's market value is anchored near that level; representative recent sale appears to be the most reliable pricing indicator.
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There is a notable pricing spread between the median listing price of $760,000 and the median sold price of $939,000, which may indicate pricing friction or a divergence between seller asking expectations and final transaction prices and requires cautious valuation alignment.
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Liquidity appears slow: the median days on market of 356 points to extended time-to-sale and suggests slower sales velocity, which may increase buyer negotiation leverage despite the sample indicating relatively constrained active supply.
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Market context is mixed but stable: the median price per square foot of $636 and median market rent of $3,200 combined with a neutral market temperature and moderate interest rate pressure (current average ~6.35% versus 5.87% in Feb 2026) imply buyers and sellers should expect balanced conditions with pressure on affordability and cautious pricing strategies.
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
Highest sale in the past 90 days. Fully renovated with modern finishes and premium lot positioning.
Sold above market average
Sold above market average
Representative market sale establishing baseline for properties in the core neighborhood.
Representative market sale establishing baseline for properties in the core neighborhood.
Representative market sale establishing baseline for properties in the core neighborhood.
Sold below market average
Sold at market average
Investment Analysis
Compare rental income potential against ownership costs and benchmark against market averages.
Monthly rental income vs estimated ownership cost
20% down, 6.3% rate, 0.9% tax
Avg nightly rate and occupancy for this ZIP
Data Sources
Real estate market data & public records, and GemHaus® proprietary models.
Report generated: 5/1/2026
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