06/13/2026
Living in Santa Cruz: What a $1.25M Budget REALLY Looks Like
Are you thinking about moving to Santa Cruz County but worried about your budget? In this video, I’m breaking down exactly what a $1.25 million price point looks like in our current market.
Real estate in Santa Cruz is all about trade-offs—whether it’s location, size, or condition, you usually have to give something up to get what you want. I’ll take you through three different homes at this price point, from beach-side living in Live Oak to the quiet suburbs of Santa Cruz Gardens and the busy thoroughfares near UCSC.
I’ll give you the "gentle truth" about traffic, lot sizes, and neighborhood vibes so you can decide what’s most important for your lifestyle.
In this video, we cover:
The reality of the $1.25M price point in Santa Cruz.
The "Location vs. Size vs. Condition" trade-off.
Pros and cons of Live Oak, Santa Cruz Gardens, and Westside locations.
How to find a big backyard before you even go in the house.
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Michele Replogle, Broker Associate
Compass
620 Capitola Avenue,
Capitola, CA 95010
CADRE #01454037
☎️ Call 831-818-7372
📲 Text 831-818-7372
✨ Check out my website: https://LivetheSantaCruzlife.com
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About me:
I have lived in Santa Cruz for most of my life I have attended local schools and colleges and been an active member of the community. Licensed since 2004. I have experienced some interesting markets but have never waivered in my desire to serve my clients.
I make these videos to educate the buying and selling public, and I always hope they are useful and timely. Rarely does any other event transform your life as home ownership does. My videos are an attempt to take away surprises and the fear of taking the leap of buying or selling. Follow my posts for unique takes on Santa Cruz and the current market.
0:00 Thinking about moving to Santa Cruz? 0:30 The "Trade-off" Reality (Location vs. Condition) 1:36 Property 1: Live Oak (Beach Vibes & Traffic) 2:53 Understanding Lot Size and Placement 3:39 Property 2: Santa Cruz Gardens (Hilltop Living) 5:40 Comparing Live Oak vs. Santa Cruz Gardens 6:14 Property 3: Westside Thoroughfare (UCSC Area) 8:20 Entry-Level Real Estate Realities 9:17 How to find your Santa Cruz lifestyle
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