95065
ZIPSAFMR
Santa Cruz County, CA
BRFMR
Eff. Rent
0 BR$3,620$2,670
1 BR$3,760$3,150
2 BR$4,800$3,790
3 BR$6,120$4,540
4 BR$6,450$6,300
5 BR$7,417
6 BR$8,530
7 BR$9,810
8 BR$11,281

Market Alignment

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

Studio
Studio
1.36ratio
FMR$3,620
Market$2,670
vs market+$950

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

1.36
1 BR
1 BR
1.19ratio
FMR$3,760
Market$3,150
vs market+$610

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

1.19
2 BR
2 BR
1.27ratio
FMR$4,800
Market$3,790
vs market+$1,010

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

1.27
3 BR
3 BR
1.35ratio
FMR$6,120
Market$4,540
vs market+$1,580

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

1.35
4 BR
4 BR
1.02ratio
FMR$6,450
Market$6,300
vs market+$150

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

1.02
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
$651,362
Rent
$4,800
Down payment
$130,272
Loan
$521,089
Mortgage
$3,294
Expenses
$1,306
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 95065 (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.