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Santa Cruz County/SANTA CRUZ/95060

95060

ZIPSAFMR
Santa Cruz County, CA
Zillow
BRFMR
Eff. Rent
0 BR$3,950▲$2,280
1 BR$4,090▲$2,630
2 BR$5,230▲$3,330
3 BR$6,670▲$4,140
4 BR$7,020▲$4,200
5 BR$8,073▲—
6 BR$9,284▲—
7 BR$10,677▲—
8 BR$12,278▲—

Purchase Price Calculator

Maximum purchase price
$432,920

Cost breakdown

+Likely effective rent$3,330
HUD FMR$5,230
Market rentUsed$3,330
Est. payment standard (90%)$4,710
Market rent is below the inferred standard ($4,710, 90% of FMR).
-Principal and interest-$2,189
Loan amount$346,336
Down payment$86,584
Rate6.50%
Term30 years
-Operating costs-$941
Property taxes-$433
Insurance-$175
Utilities$0
HOA$0
Management-$333
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$52,896(61.1% ROI)
Projected value
$466,208
Current value$432,920
Return breakdown
Property appreciation+$33,288
Loan principal paid down+$12,408
Rental cash flow+$7,200
5-year hold
+$91,017(105.1% ROI)
Projected value
$489,809
Current value$432,920
Return breakdown
Property appreciation+$56,889
Loan principal paid down+$22,127
Rental cash flow+$12,000
10-year hold
+$197,980(228.7% ROI)
Projected value
$554,174
Current value$432,920
Return breakdown
Property appreciation+$121,254
Loan principal paid down+$52,726
Rental cash flow+$24,000

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
1.73ratio
FMR$3,950
Market$2,280
vs market+$1,670

FMR is above market; underwrite to market rent.

1.73
1 BR
1 BR
1.56ratio
FMR$4,090
Market$2,630
vs market+$1,460

FMR is above market; underwrite to market rent.

90% standard$3,681 / 1.40 ratio110% standard$4,499 / 1.71 ratio
1.56
2 BR
2 BR
1.57ratio
FMR$5,230
Market$3,330
vs market+$1,900

FMR is above market; underwrite to market rent.

1.57
3 BR
3 BR
1.61ratio
FMR$6,670
Market$4,140
vs market+$2,530

FMR is above market; underwrite to market rent.

1.61
4 BR
4 BR
1.67ratio
FMR$7,020
Market$4,200
vs market+$2,820

FMR is above market; underwrite to market rent.

1.67
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 95060 (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.

What is FMR?What is SAFMR?Data sourcesIncomplete geosView county page

95060 fair market rent benchmarks

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95060 shows monthly rent benchmarks by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $5,230 and the 4 bedroom fair market rent is $7,020.

Use these values to compare bedroom-size rent benchmarks and screen a property's rent assumptions. Local housing authorities set voucher payment standards, which may be above or below published HUD FMR, so confirm the applicable authority and current schedule before underwriting a property. Read the FMR and payment-standard guide for the full verification workflow.

FY 2026 Fair Market Rent by bedroom size for 95060
Bedroom sizeHUD FMR
Studio$3,950
1 bedroom$4,090
2 bedroom$5,230
3 bedroom$6,670
4 bedroom$7,020
Santa Cruz County fair market rentSANTA CRUZ, CA fair market rent