95060
ZIPSAFMR
Santa Cruz County, CA
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

Market Alignment

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

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

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

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

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

1.56
2 BR
2 BR
1.57ratio
FMR$5,230
Market$3,330
vs market+$1,900

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

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

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

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

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

1.67
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom 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
$715,259
Rent
$5,230
Down payment
$143,052
Loan
$572,207
Mortgage
$3,617
Expenses
$1,413
Market inputs
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.