Coastal Current- October

Dated: October 9 2025

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Welcome to the October Edition of The Coastal Current

October in Santa Cruz is all about cozy fall vibes and spooky-season fun, with community festivals, tasty gatherings, and family-friendly Halloween events popping up all month long. From harvest celebrations and outdoor movie nights to chili cook-offs, artisan markets, and trick-or-treating by the sea, there’s something for everyone to enjoy. Whether you’re looking for kid-friendly outings, a bite of gourmet flavor, or a dash of festive fright, October offers the perfect chance to explore Santa Cruz’s autumn charm.

Mortgage Rate Update

Santa Cruz County Mortgage Rate Update as of 09.23.25

Local rates in Santa Cruz County remain somewhat favorable, benefiting from broader recent declines:

  • 30-year fixed: ~6.45 % 
  • 15-year fixed: ~5.60 % 
  • 5-year ARM (5/1): ~6.10 %

California & National Context

California averages:

  • 30‑year fixed: ~6.34 %
  • 15‑year fixed: ~5.50 %

National averages

  • 30‑year fixed: 6.38 %
  • 15‑year fixed: 5.67 %
  • 5‑year ARM: 6.09 %

What This Means for You

  • Local rates are somewhat lower than (or competitive with) state and national averages—this may be a good time to lock in if you plan to buy or refinance.
  • 15-year fixed loans continue to offer savings in both interest cost and loan term.
  • For those considering adjustable-rate options, 5/1 ARMs are now more attractive compared to earlier in the year—but they still carry risk of adjustment, so plan for that.

Information believed accurate but not guaranteed; terms may change. Please verify with a licensed mortgage advisor.
Boardwalk Fright Flicks
📆 October 1-29, 2025
📍 Doors 7:30pm, Movie 8pm
Learn More
Harvest Festival
📆 October 4, 2025 - 12pm - 4pm
📍 Lot 16 and Church Street
Learn More
4th Annual Beach Hill Bash
📆 October 4, 2025 - 1:00pm
📍 Santa Cruz Hostel - 321 Main Street, 95060
Learn More
Thomas and Percy’s Halloween Party
📆 October 4-5, 11-12, 18-19 , 25-26 - 9:00am – 5:00pm
📍 Roaring Camp Railroads, Inc. - 5401 Graham Hill Road, Felton, CA 95018
Learn More

Santa Cruz Bake & Gather
📆 October 11, 2025 at 11:00 am
📍 London Nelson Community Center, 301 Center St, Santa Cruz, CA
Learn More
Yoga For All Movement Day
📆 October 11th from 12 to 4 PM
📍 Pacific Avenue at Cooper Street
Learn More
5K Glenwood Trail Run/Walk
📆 October 11th, 2025 - 7:30 AM | Race Start: 8:30 AM
📍 Siltanen Park and Glenwood East Preserve Trail, Scotts Valley, CA
Learn More
Yappy Hour: Tacos. Brews. Dogs.
📆 October 15th, 2025 - 3:30 PM - 6:30 PM
📍 115 San Jose Ave Ste #H &amp; J, Capitola Village Mercantile
Learn More
Movie in the Park & Food Truck Friday
📆October 24, 2025 at 7:30 PM
📍 361 Kings Village Rd , Scotts Valley, CA
Learn More
The Halloween Family Festival
📆 October 25th: 1:00 pm - 3:00 pm
📍 1410 Del Monte Center, Monterey, CA 93940
Learn More
Chili Cook-Off
📆 October 25 - 9:00 am - 4:00 pm
📍 400 Beach Street, Santa Cruz, CA 95060
Learn More
Halloween at the Boardwalk 
📆 October 26 - 12:00 pm - 7:00 pm
📍 400 Beach Street, Santa Cruz, CA 95060
Learn More
Halloween Monster Mash
📆 October 31 - 2025 at 03:00 pm to 04:30
📍 151 Aptos Village Way, CA 95003-4099
Learn More
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Brandi Jones

 Santa Cruz & Monterey Bay Real EstateBrandi Jones | REALTOR® | Award-Winning Sales Associate | Expert Negotiator “In a crowded field, Brandi stands out as the best. Unwavering....

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