95063
ZIPSAFMR
Santa Cruz County, CA
BRFMR
Eff. Rent
0 BR$3,180$2,910
1 BR$3,290$3,080
2 BR$4,210$3,830
3 BR$5,370$4,620
4 BR$5,650$5,650
5 BR$6,497
6 BR$7,472
7 BR$8,593
8 BR$9,882

Market Alignment

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

Studio
Studio
1.09ratio
FMR$3,180
Market$2,910
vs market+$270

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

1.09
1 BR
1 BR
1.07ratio
FMR$3,290
Market$3,080
vs market+$210

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

1.07
2 BR
2 BR
1.10ratio
FMR$4,210
Market$3,830
vs market+$380

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

1.10
3 BR
3 BR
1.16ratio
FMR$5,370
Market$4,620
vs market+$750

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

1.16
4 BR
4 BR
0.97ratio
FMR$5,650
Market$5,810
vs market-$160

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

0.97
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
$563,688
Rent
$4,210
Down payment
$112,738
Loan
$450,950
Mortgage
$2,850
Expenses
$1,160
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 95063 (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.