The Hidden Costs of Buying a Fixer-Upper in Santa Cruz County—And How to Budget for Them

If you’ve been house hunting in Santa Cruz County, you’ve probably seen your fair share of “fixer-upper with potential” listings. On the surface, these properties seem like a great deal—especially in a market where prices are anything but low. But before you start dreaming about your custom kitchen or opening up walls for that perfect open floor plan, it’s worth understanding the true costs (and local quirks) that come with buying and renovating a fixer-upper in this area.

What’s Considered a Fixer-Upper in Santa Cruz?

In Santa Cruz County, a fixer-upper might mean anything from a dated 1970s ranch that “just needs cosmetic work” to a beachside bungalow with serious foundation issues. Homes near the coast often come with weather-related wear and tear—think dry rot, salt-damaged siding, or outdated electrical systems that don’t meet today’s codes.

The key is understanding what kind of fixer you're walking into: light cosmetic updates or full-on structural work.

Common Issues in Older Coastal Homes

Here are some of the most frequent (and often expensive) surprises we see in older homes around Aptos, Soquel, and the greater Santa Cruz area:

• Dry rot and termite damage – Especially common in homes near the ocean or with poor drainage.

• Outdated plumbing and electrical – Replacing knob-and-tube wiring or corroded galvanized pipes adds up fast.

• Foundation problems – Uneven settling or cracks can indicate costly structural repairs.

• Mold and moisture damage – With our foggy climate, older homes with poor ventilation are vulnerable.

• Permitting issues from past DIY work – Unpermitted additions can delay your remodel and even cause legal headaches.

The Permit Process in Santa Cruz County

Santa Cruz is known for its natural beauty—and its zoning and permit regulations that protect it. That means:

• Coastal homes may fall under Coastal Commission jurisdiction, requiring extra review.

• Historic homes (common in places like downtown Santa Cruz or Bonny Doon) may have restrictions on alterations.

• Simple changes like fences, decks, or garage conversions often still need permits—and those take time.

Working with a contractor who knows the local permitting landscape is crucial to avoid delays and added costs.

Budgeting: Realistic Numbers from the Field

At John Fuchs Properties, We've tackled everything from kitchen and bathroom remodels to full-scale home rebuilds. When it comes to budgeting, here’s a general breakdown to keep in mind:

• Light cosmetic updates: $25–$50 per square foot

• Full kitchen remodel: $40,000–$100,000+

• Bathroom remodel: $25,000–$50,000+

• Full gut renovation: $150–$300 per square foot, depending on the finishes and complexity

Factor in 10–20% over your expected costs for the unexpected—because there’s always something in remodeling.

When It’s Better to Buy Move-In Ready

Sometimes the better value is a home that’s already been updated. If you:

• Need to move quickly,

• Don’t have time to manage a remodel,

• Or don’t have cash reserves for surprises...

…a turn-key home may save you money (and sanity) in the long run.

But if you dream of custom finishes and have the patience to do it right, a fixer-upper can still be a great option—with the right guidance.

Final Thoughts

Buying a fixer-upper in Santa Cruz County is doable—but it takes planning, budgeting, and a local team you trust. Our construction and real estate teams at John Fuchs Properties work side-by-side to help clients understand the full picture before making a decision.

If you're thinking about buying a fixer-upper, contact us. We’d be happy to discuss your options and even tour a property with you to provide insight before you make an offer.