CAPITOLA, CA
CitySAFMR
Santa Cruz County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$3,290$2,820
1 BR$3,410$3,260
2 BR$4,360$3,740
3 BR$5,560$4,460
4 BR$5,850$5,590
5 BR$6,727
6 BR$7,737
7 BR$8,897
8 BR$10,232

Market Alignment

How HUD fair market rents align with the state of the rental market.

Studio
Studio· 95010
1.17ratio
FMR$3,290
Market$2,820
vs market+$470

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.17
1 BR
1 BR· 95010
1.05ratio
FMR$3,410
Market$3,260
vs market+$150

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1.05
2 BR
2 BR· 95010
1.17ratio
FMR$4,360
Market$3,740
vs market+$620

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.17
3 BR
3 BR· 95010
1.25ratio
FMR$5,560
Market$4,460
vs market+$1,100

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.25
4 BR
4 BR· 95010
1.05ratio
FMR$5,850
Market$5,590
vs market+$260

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1.05
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit sizes.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$585,978
Rent
$4,360
Down payment
$117,196
Loan
$468,782
Mortgage
$2,963
Expenses
$1,197
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for CAPITOLA, CA (CA) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

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