Santa Cruz Homes under $600,000

Welcome to Santa Cruz, California, a coastal gem nestled between the majestic redwoods and the sparkling Pacific Ocean. Known for its stunning beaches, vibrant arts scene, and laid-back atmosphere, Santa Cruz is a dream destination for those seeking a blend of natural beauty and urban convenience. With its mild Mediterranean climate, residents enjoy outdoor activities year-round, from surfing the famous waves at Steamer Lane to hiking the scenic trails in Henry Cowell Redwoods State Park.

For homebuyers looking for affordability without sacrificing the Santa Cruz lifestyle, there are charming homes available under $600,000. This price range offers an array of options, from cozy bungalows to modern condos, perfect for first-time buyers, young families, or those looking to downsize. Imagine waking up in a quaint cottage just a stone's throw from the beach, or enjoying the tranquility of a hillside retreat with breathtaking views of the surrounding landscape.

The Santa Cruz real estate market is known for its unique character and diverse neighborhoods. Whether you prefer the bustling atmosphere of downtown, the family-friendly vibe of Live Oak, or the artistic community of Seabright, there’s a perfect home waiting for you. With a range of amenities including local farmers' markets, eclectic shops, and some of the best dining options in the region, Santa Cruz truly offers a lifestyle that is both enriching and enjoyable.

Don’t miss your chance to find your dream home in this idyllic coastal city. Embrace the Santa Cruz lifestyle today!

Newest Santa Cruz Homes under $600,000

$172,000

1 Beds ⋅ 1 Baths ⋅ ML82065108 MLS ⋅ Active Status ⋅ Pacific Family Park BLDG.

An excellent opportunity for affordable homeownership in Santa Cruz County! Located in an all-age, nonprofit-owned mobile home park, this below-market-rate community offers 35 rental spaces for owner-occupied homes. PLEASE NOTE: The current list price is an estimate and is subject to approval by the County of Santa Cruz. We anticipate receiving the official 2026 maximum allowable sales price within approximately two weeks. The final approved price may be lower than the current asking price. Get a head start on this affordable homeownership opportunity! Income restrictions apply, and all buyers must obtain park management approval. Contact the listing agent for additional details, eligibility requirements, and updates on county price approval.

1730 Commercial Way Unit 31, Santa Cruz

$599,000

1 Beds ⋅ 1 Baths ⋅ ML82064570 MLS ⋅ Active Status ⋅ Pacific Terrace BLDG.

Perched just five minutes from the vibrant heart of downtown Santa Cruz, this recently updated 1,028 sqft penthouse offers effortless urban and coastal living with a 45 min drive to Silicone Valley. The expansive living room immediately captivates with dramatic high ceilings and a cozy fireplace, creating an airy yet inviting sanctuary that flows seamlessly out to a private balcony with mountain views, a perfect backdrop overlooking the downtown skyline. The thoughtful layout features a separate, generously sized primary bedroom offering a quiet retreat with large closets. This is complemented by a spacious full bathroom and the ultimate convenience of in-unit laundry. Turnkey and recently refreshed, the home boasts brand-new LVP flooring, crisp new paint, and newer electrical updates. Residents enjoy premium community amenities, including a year-round swimming pool and spa and BBQ area, secured entry and dedicated underground parking and storage. Offering unmatched proximity to world-class dining, shopping, and entertainment, this penthouse is a retreat designed for remote workers, UCSC students, investors, first-time homebuyers, or anyone who refuses to compromise on location at an affordable price. This quiet and pet friendly complex is only 15 min to the Boardwalk and beach.

318 Soquel Avenue Unit A3, Santa Cruz

$495,000

1 Baths ⋅ ML82063125 MLS ⋅ Active Status ⋅ Piedmont Court BLDG.

A rare opportunity to own a beautifully reimagined residence within historic Piedmont Court, one of Santa Cruz's architectural treasures. Built in the Mission Revival style with Moorish influences, the landmark building features graceful arches, towers, balconies, verandas, an inviting courtyard, and gardens. Thoughtfully designed by Suna Lock of Viewpoint Design (formerly Stripe Design), this light-filled studio honors its historic setting while introducing a refined, modern sensibility. Custom Melim Woodworking cabinetry anchors the kitchen, complemented by a Sub-Zero refrigerator, Fisher & Paykel microwave/convection oven, and induction cooktop. A separate sleeping area features a built-in bed with extra storage, while LVP flooring flows throughout the living areas. The beautifully appointed bath pairs local Fireclay tile with handmade floor tile and includes striking brass lighting and fixtures, and a generous walk-in shower with a built-in bench. Gracious, inviting common areas, assigned garage parking, and additional storage complete this artistic, cozy home, ideally situated near Downtown Santa Cruz, UCSC, beaches, dining, shopping, and all that Santa Cruz has to offer.

260 High Street Unit 208, Santa Cruz

$352,000

2 Beds ⋅ 2 Baths ⋅ ML82063143 MLS ⋅ Active Status ⋅ Shangrila BLDG.

This could be your beach house. With some of your special touches, you could have a delightful home near our beautiful coast. Bright and open living and dining areas. There is a private, shaded porch and a sunny yard. Room to do some gardening. The primary bedroom has a large walk in closet. You have two full bathrooms and a laundry room. Shangri La is a 62+ park. Located close to all the amenities you find on 41st Avenue. Only a few blocks to Pleasure Point for the sunset. Bring your creative style to this sweet home.

1040 38th Avenue Unit 43, Santa Cruz

708 Frederick Street Unit 205, Santa Cruz

$399,000

1 Beds ⋅ 1 Baths ⋅ ML82062964 MLS ⋅ Active Status ⋅ Frederick Street Commons BLDG.

City of Santa Cruz Measure O Unit! First time on market! This original owner has enjoyed living in this unit! Who will be the lucky one who gets to live here next? Seller said Sell it!! Listed lower than the county price of $442,362. So, at $399,000 list price you get built in equity when you purchase! Yes, there are income limits. What an opportunity to live in East Side Santa Cruz in a 2015 building with secure parking and locked front entrance and lobby. Parking space 6 and locker 9 are used by this unit. It's walkable to the yacht harbor, shops, restaurants and more! Once inside there is a spacious lobby with access to a community room, elevator, stairs and locking mailboxes! This unit is on the second floor! It lives like a 1 bedroom with large closet plus an additional room for office/craft room or even a second bedroom (it does not have a closet). Open kitchen, Living and Dining feels spacious! The electric fireplace is quick to provide a cozy feeling. And you have your own stacking in unit laundry! While your laundry in spinning, relax on your outdoor patio with a view of bocci ball court and outdoor firepit area. Or enjoy the birds and flowers! 1 person max income $96,050 2 person max income $109,750.

708 Frederick Street Unit 205, Santa Cruz

$360,000

2 Beds ⋅ 1 Baths ⋅ ML82061885 MLS ⋅ Active Status

This 2-bedroom, 1-bathroom home is located in Santa Cruz within the Live Oak Elementary school district. The residence offers approximately 480 square feet of living space, featuring central forced air heating and no cooling system. The kitchen includes an eat-in dining area, providing a practical space for meals. There is no separate family room in the layout. This property presents a straightforward and functional living environment in Santa Cruz, suited for those seeking a compact home in the Live Oak Elementary district.

2546 Capitola Road Unit 62, Santa Cruz

$449,000

2 Beds ⋅ 2 Baths ⋅ ML82062531 MLS ⋅ Active Status ⋅ Homestead Park BLDG.

Located in the heart of Live Oak sits an amazing community within walking distance to all the amenities. As you arrive you notice the end unit location and all- day sun that gleams through the double pane windows. Interior amenities include open kitchen concept with ample counter space, white cabinets, gas range, pantry, and skylight. Open floor plan, large living room, interior laundry, bathrooms with white tile. Exterior has ample parking, porch to relax plus fenced yard to garden. This is the perfect place to call home and enjoy the Santa Cruz Lifestyle.

2355 Brommer Street Unit 38, Santa Cruz

$375,000

2 Beds ⋅ 1 Baths ⋅ ML82061378 MLS ⋅ Active Status ⋅ Snug Harbor BLDG.

Welcome to your sweet coastal retreat! Wake up to the fresh ocean air, and enjoy your morning beverage at home or overlooking the sparkling Pacific ocean. This cozy and bright manufactured home with an updated kitchen, all new appliances including Electrolux laundry system, and newly appointed bathroom is perfectly located in the vibrant Live Oak/East Cliff neighborhood. Just a five minute walk from world class surf spots on East Cliff Drive, it is the ideal location for surfing, strolling or biking to coffee, the Farmer's Market, shopping, eateries, going to the movies, meeting up with friends, walking your dog, or hanging out at the beach, among other things. Entertain on your spacious and private garden patio, after a fun filled day of activities. If you like to garden, there are mature plants to tend, as well as room to grow what you love. There are two off street parking spaces as well as two outbuildings to house your garden tools and art supplies, as well as your outdoor toys. Make sure to check out this awesome opportunity to own a piece of the Central Coast lifestyle, and enjoy all that Santa Cruz beach life has to offer just outside the door of your sweet coastal retreat.

740 30th Avenue Unit 115, Santa Cruz

1555 Merrill Street Unit 176, Santa Cruz

$365,000

2 Beds ⋅ 2 Baths ⋅ ML82058543 MLS ⋅ Active Status ⋅ Shoreline Mobile Estates BLDG.

Tucked away at the end of a peaceful street with zero through-traffic, this 2-bedroom, 2-bathroom home offers privacy in a 55+ community. Inside, you will find fresh, updated flooring that brings a clean, modern feel to the bright and comfortable living space. Two bonus detached structures provide extra storage space while the carport protects your vehicle from the elements. Its prime end-of-road location ensures a quiet setting where you can unwind without the noise of passing cars, all while placing you just minutes from the stunning beaches of Santa Cruz, as well as locally owned restaurants and shops. Beyond the privacy of your own home, the active adult community features fantastic amenities, including a welcoming clubhouse and a sparkling pool.

1555 Merrill Street Unit 176, Santa Cruz

2120 N Pacific Avenue Unit 52, Santa Cruz

$195,000

1 Beds ⋅ 1 Baths ⋅ ML82059877 MLS ⋅ Active Status ⋅ El Rio Mobile Home Park BLDG.

Own a share in this welcoming, all-age co-op community, ideally located within walking distance of downtown Santa Cruz! Situated on one of the park's larger lots, this approximately 1,600-square-foot space offers two parking spots and is considered one of the community's most desirable locations. A gate along the back fence provides convenient access to the Riverwalk and bike path. Mature perimeter landscaping includes roses, honeysuckle, and a loquat tree. The existing home is being sold strictly AS-IS and must be removed from the property after close of escrow; the price reflects this. Income restrictions apply, and park board approval is required for ownership. Many residents have proudly called this friendly community home for decades! 2026 income limits: One person: $122,200; Two people: $139,650 The 2026 co-op share buy-in is $4,613 and is refundable to the buyer upon a future sale. Property taxes are billed through the park and paid twice annually.

2120 N Pacific Avenue Unit 52, Santa Cruz

2395 Delaware Avenue Unit 85, Santa Cruz

$150,000

2 Beds ⋅ 2 Baths ⋅ ML82058264 MLS ⋅ Active Status ⋅ Deanza BLDG.

OCEAN VIEW without the exorbitant price tag. Get ready to be captivated off the deck from this incredible beachside location. DeAnza Park is coastal premier amongst senior 55+ community living. This spacious unit has an updated kitchen and flooring throughout. Baths have been partially updated and ready to welcome its new owner. New outdoor Trex deck wrap halfway around the home and the setback on both sides leave ample space between neighbors and creates opportunities to reimagine the space as you wish to use it. Lets make your ocean view home and live by the beach a reality right here!

2395 Delaware Avenue Unit 85, Santa Cruz

$515,000

1 Beds ⋅ 1 Baths ⋅ ML82059874 MLS ⋅ Active Status ⋅ Swan Lake Gardens Hoa BLDG.

Santa Cruz Coastal Villa, 1 BD/1BA, 639 ft end unit. Short walk to Blacks and Sunny Cove Beaches. Lush resort style gardens, private, lattice fenced patio tucked beneath mature trees and green belt views out of every window, low foot traffic, privacy without facing other buildings or parking area. Easy access to Farmers Market, Bakery, East Cliff Village, restaurants, yacht harbor. Inside, the open living area flows into a well-appointed kitchen featuring light wood cabinetry, granite countertops, a peninsula with bar seating, stainless steel range paired with a sleek black refrigerator. New luxury vinyl flooring runs throughout, and a sliding glass door off the living room opens to a covered deck framed by lattice railings and a leafy tree canopy. The bedroom offers a spacious walk-in closet and connects directly to the bathroom, new flooring, while a hallway closet adds extra storage. Residents enjoy access to a shared laundry room, a large grassy common lawn shaded by eucalpytus trees and one conveniently assigned carport. Community amenities include a pool with lounge seating, fitness center, and clubhouse for private use. Come live the Santa Cruz Beach lifestyle, minutes to the sand!

755 14th Avenue Unit 409, Santa Cruz

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Based on information from California Regional Multiple Listing Service, Inc. as of . This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.

Santa Cruz Homes under $600,000

Newest Santa Cruz Homes under $600,000

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