What it's like to live in Scotts Valley

Scotts Valley is a small city in California with household incomes running above the national average, crime rates well below the national average, air quality that stays clean most of the year, and a highly educated workforce. Those factors carry real weight for anyone weighing where to move next.

The tradeoffs are worth naming plainly. Scotts Valley deals with rent well above the national average, home prices well above the national average, county unemployment above the national average, and a population that has been shrinking.

The good

  • Higher-than-average incomes
  • Low crime rates
  • Clean air
  • Highly educated workforce

The not so good

  • Rent well above the national average
  • High home prices
  • Above-average unemployment in the county
  • Shrinking population
  • High student-teacher ratio

How Scotts Valley compares

Median household income

Scotts Valley$143,750
California avg$99,122
US$80,734

Median rent (per month)

Scotts Valley$2,491
California avg$2,036
US$1,413

Median home value

Scotts Valley$1,105,700
California avg$734,700
US$332,700

What it takes to move to Scotts Valley

Based on Scotts Valley's median rent, home value and household income

To rent

$4,982

up front: first month plus a typical one-month deposit

  • Income to keep rent under 30%: $99,640 a year
  • 47% of Scotts Valley renters spend 30% or more of their income on rent

To buy

$221,140

a 20% down payment on the median home

  • With 10% down: $110,570
  • Homes cost 7.7× the typical local household income (US: 4.1×)

Moving costs, closing costs and taxes not included.

The details

Cost of living▲ 76% above US

$2,491/mo median rent

Rent is expensive here, at $2,491 a month median and well above the national average. This is the kind of city where housing costs deserve serious budgeting before committing to a move. Home prices are steep, with a median around $1,105,700. Renting first to get a feel for the city before buying is often the more practical route.

Median home value $1,105,700 · 47% of renters cost-burdened

Job market

6.3% county unemployment

Unemployment in Santa Cruz County is 6.3%, well above the national average of 4.3%. Moving with a job already lined up matters more here. That's the county-wide rate; BLS doesn't measure a place this size on its own.

Santa Cruz County (county-wide)

Safety▼ 35% below US

213 violent crimes per 100k

Pretty safe, all things considered. Violent crime sits below the national average, nothing alarming, just ordinary city-life awareness.

Property crime 1594/100k · Scotts Valley Police Department · 2025 data

Getting aroundNear US average

25 min average commute

Commutes run about average, at 24.9 minutes. Fine day to day, but it adds up over a year, and where someone lives relative to where they work starts to matter. 7 in 10 workers drive to work; 26% work from home.

How workers get to work

Drive alone
66%
Work from home
26%
Other
2.6%
Carpool
2.5%
Walk
1.6%
Public transit
1.4%

Climate

Summers are warm, with highs around 88°F, and winters are chilly but manageable, with lows around 38°F. Rainfall is regular throughout the year.

Average month

High °FLow °FPrecip (in)
20°40°60°80°100°10.5"Jan: 10.42" precipitationFeb: 9.68" precipitationMar: 7.00" precipitationApr: 3.28" precipitationMay: 1.24" precipitationJun: 0.24" precipitationJul: 0.01" precipitationAug: 0.04" precipitationSep: 0.12" precipitationOct: 2.17" precipitationNov: 5.00" precipitationDec: 10.43" precipitationJJan: high 65°F, low 37°FFFeb: high 67°F, low 39°FMMar: high 71°F, low 41°FAApr: high 75°F, low 42°FMMay: high 80°F, low 46°FJJun: high 86°F, low 49°FJJul: high 88°F, low 51°F90°AAug: high 90°F, low 51°FSSep: high 89°F, low 49°FOOct: high 83°F, low 44°FNNov: high 71°F, low 40°F37°DDec: high 64°F, low 37°F

30-year averages, 1991–2020

Education & workforce▲ 54% above US

56% bachelor's degree or higher

This is a highly educated city, with over half the adult population holding a college degree. That tends to shape the job market and the broader culture, and it's a solid indicator of a strong professional scene.

Schools

4 public schools inside the boundary

There are 4 public schools inside the boundary and 3 private schools. The student-to-teacher ratio is 25:1, above the national average of 16:1.

Parks & recreation

The nearest national park or historic site is Eugene O'Neill National Historic Site (53 miles away). There are 8 national parks and sites within a day's drive.

Bottom line

Scotts Valley's strongest points are household incomes running above the national average and crime rates well below the national average; the main tradeoffs are rent well above the national average and home prices well above the national average. A year of median rent ($2,491/mo) equals 21% of the median household income here, about the same as the 21% typical nationwide. It tends to suit anyone prioritizing low crime, remote workers (26% of workers here already work from home), and college-educated professionals. It may be a harder fit for renters on a tight budget and anyone moving without a job lined up.

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