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CA/Santa Cruz County/Santa Cruz

Santa Cruz, CA

CitySAFMR
Santa Cruz County
Found 6 ZIPs
Zillow

City Median Investment Score

113Above average

095130300
BRFMR
Eff. Rent
0 BR$2,870 – $3,990$2,280 – $2,910
1 BR$2,970 – $4,190$2,630 – $3,150
2 BR$3,800 – $5,260$3,330 – $3,920
3 BR$4,840 – $6,840$4,140 – $5,560
4 BR$5,100 – $7,110$4,200 – $6,310
5 BR$7,170Not available
6 BR$8,246Not available
7 BR$9,483Not available
8 BR$10,905Not available

Public Housing Authority

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Rolodex

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Market Alignment

Studio
3
1.11-1.75
1 BR
2
1.07-1.59
2 BR
2
2
1.06-1.58
3 BR
3
0.85-1.65
4 BR
1
1
1
1
1
1
0.73-1.69
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
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Tax rate
--
Mortgage rate
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Santa Cruz, CA fair market rent, FY 2027

For FY 2027, HUD's two-bedroom Small Area Fair Market Rent across the 6 ZIP codes in Santa Cruz, CA ranges from $3,800 to $5,260 a month, with a median of $4,615. That is up 2.4% from $4,505 in FY 2026. Santa Cruz is in the Santa Cruz-Watsonville, CA MSA. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $4,254. The median county two-bedroom FMR in California is $1,725, so Santa Cruz is 168% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Santa Cruz, CA
BedroomsFY 2027Change90–110% range
Studio$3,505+3.1%$3,155–$3,856
1BR$3,680+4.4%$3,312–$4,048
2BR$4,615+2.4%$4,154–$5,077
3BR$6,005+4.5%$5,405–$6,606
4BR$6,235+3.1%$5,612–$6,859

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Santa Cruz, CA
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$3,505$3,680$4,615$6,005$6,235
FY 2026$3,400$3,525$4,505$5,745$6,050
FY 2025$3,245$3,420$4,485$5,580$5,950
FY 2024$2,935$3,170$4,170$5,140$5,660
FY 2023$2,255$2,550$3,355$4,150$4,650

Two-bedroom rent by ZIP code

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. median
95060$5,260+14.0%
95062$5,100+10.5%
95065$4,980+7.9%
95061$4,250−7.9%
95063$4,250−7.9%
95064$3,800−17.7%

Questions about Santa Cruz, CA rents

How much will Section 8 pay for a two-bedroom in Santa Cruz, CA?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $4,254, which applies unless the housing authority uses Small Area FMRs, that basic range is $3,829 to $4,679 a month; under the ZIP-level Small Area FMR of $4,615 it would be $4,154 to $5,077. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is Santa Cruz, CA in?

Santa Cruz, CA is in the Santa Cruz-Watsonville, CA MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $4,254.

How much did fair market rent change in Santa Cruz, CA for FY 2027?

The two-bedroom FMR rose 2.4%, from $4,505 in FY 2026 to $4,615 in FY 2027. Since FY 2023 it has risen 37.6%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentCA statewide rentsWhat is SAFMR?Data sources