95019
ZIPSAFMR
Santa Cruz County, CA
BRFMR
Eff. Rent
0 BR$2,760$2,620
1 BR$2,900$2,730
2 BR$3,810$3,140
3 BR$4,740$3,960
4 BR$5,050$4,530
5 BR$5,808
6 BR$6,679
7 BR$7,680
8 BR$8,832

Market Alignment

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

Studio
Studio
1.05ratio
FMR$2,760
Market$2,620
vs market+$140

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

1.05
1 BR
1 BR
1.06ratio
FMR$2,900
Market$2,730
vs market+$170

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

1.06
2 BR
2 BR
1.21ratio
FMR$3,810
Market$3,140
vs market+$670

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

1.21
3 BR
3 BR
1.20ratio
FMR$4,740
Market$3,960
vs market+$780

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

1.20
4 BR
4 BR
1.11ratio
FMR$5,050
Market$4,530
vs market+$520

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

1.11
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
$504,248
Rent
$3,810
Down payment
$100,850
Loan
$403,398
Mortgage
$2,550
Expenses
$1,060
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 95019 (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.