85648
ZIPSAFMR
Santa Cruz County, AZ
BRFMR
Eff. Rent
0 BR$970$970
1 BR$1,070$1,070
2 BR$1,400$1,310
3 BR$1,950$1,490
4 BR$2,000$1,610
5 BR$2,300
6 BR$2,645
7 BR$3,042
8 BR$3,498

Market Alignment

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

Studio
Studio
0.71ratio
FMR$970
Market$1,360
vs market-$390

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.71
1 BR
1 BR
0.84ratio
FMR$1,070
Market$1,280
vs market-$210

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.84
2 BR
2 BR
1.07ratio
FMR$1,400
Market$1,310
vs market+$90

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

1.07
3 BR
3 BR
1.31ratio
FMR$1,950
Market$1,490
vs market+$460

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

1.31
4 BR
4 BR
1.24ratio
FMR$2,000
Market$1,610
vs market+$390

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

1.24
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$146,123
Rent
$1,400
Down payment
$29,225
Loan
$116,898
Mortgage
$739
Expenses
$461
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 85648 (AZ) 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.