USDA Eligibility Boundaries for Santa Cruz, California

 
74.6% of Santa Cruz County is eligible for a USDA home loan.

The United States Department of Agriculture has rated the natural amenities of this region. On a scale of one to seven, Santa Cruz county is rated a 7. The average temperature during the month of June is 62.7℉ and the average temperature in January is 48.8℉. The typical humidity of this area is approximately 74% and the area covered by water is 26.65%. The overall influence score for Santa Cruz is 1.

The map below displays geographic boundaries of Santa Cruz, California with a blue border. Regions of California that are highlighted in red are not eligible for USDA backed home loan programs in the state of California. Typically these red-highlighted restricted areas represent areas of denser population areas such as city centers. USDAProperties.com can help you determine exactly what properties for sale are outside these exclusionary boundary areas. For higher resolution imagery click the map to zoom in or search for specific postal (zip) codes, city names or even counties. You can also search for specific addresses using the power search feature here.

Or you can continue searching for homes listed for sale in neighboring county. From county center to center Santa Clara is 33 kilometers to the north east, San Mateo is 50 kilometers to the north west and Alameda is 66 kilometers to the north.
  Select a City in Santa Cruz   Amesti Aptos* Aptos HillsLarkin Valley* Ben Lomond Beulah Park* Bonny Doon* Boulder Creek Brackney* Brookdale Camp Evers Capitola Chittenden* Corralitos* Davenport* Day Valley Ellicott* Felton Forest Park Forest Springs Freedom Glen Arbor Glenwood Gordola Interlaken* La Selva Beach Laurel* Lompico Majors Mission Springs Monte Toyon* Mount Hermon Olympia Opal Cliffs* Pajaro Dunes Paradise Park Pasatiempo Pleasure Point Redwood Grove Rio del Mar Riverside Grove San Lorenzo Park Santa Cruz* Scotts Valley Seacliff Soquel Swanton The Willows Twin Lakes Watsonville* Zayante

Select from the above list of cities in Santa Cruz County. Cities most likely to have USDA loan eligible properties are highlighted in the drop down list. Alternatively, use the search form to find your favorite counties, cities and zip codes in California.

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Santa Cruz County is located in the northern part of California's Central Coast region, about an hour south of San Francisco. It has a population of 271,815 people as of 2020 and is one of the most diverse counties in California. The population is made up of 54.4% White, 32.1% Hispanic or Latino, 8.2% Asian, 3.9% Black or African American, 0.7% Native American, 0.3% Pacific Islander, and 0.4% from two or more races.

The median household income in Santa Cruz County is $71,846 compared to the state average of $71,805 and the national average of $61,937. The cost of living in Santa Cruz County is also higher than both the state and national averages as well.

Santa Cruz County has a temperate climate with mild temperatures year-round and abundant sunshine all season long. There are plenty of outdoor activities to enjoy here such as hiking, biking, fishing and surfing at some of the world's most beautiful beaches.

The housing market in Santa Cruz County is fairly competitive due to the high demand for homes in this area. The median home value is around $872,000 and the median rent is around $2,700 per month.

Santa Cruz, California

Loan officers and realtors can answer your questions about USDA home loan programs.
For direct assistance with California USDA program details you can also contact:

USDA Rural Development
430 G Street, Agency 4169
Davis, CA 95616
Phone: (530) 792-5800
Email: CA.Info@usda.gov

State Director's Office: (530) 792-5800
Business & Co-op Programs: (661) 281-2736
Community Programs: (805) 863-9928
Single Family Housing: (530) 792-5830

Featured Property from USDA Loan Eligible Regions of California