FY2026 Fair Market Rents — Santa Cruz County
Studio
$3,179
1BR
$3,298
2BR
$4,214
3BR
$5,377
4BR
$5,659
Santa Cruz County, California
FIPS 06087 · County-level FMR and income limit data
FMR Area: Santa Cruz-Watsonville, CA MSA
FY2026 Fair Market Rents
| Bedroom Size | Monthly FMR | Annual Equivalent |
|---|---|---|
| Efficiency (Studio) | $3,179 | $38,148 |
| 1-Bedroom | $3,298 | $39,576 |
| 2-Bedroom | $4,214 | $50,568 |
| 3-Bedroom | $5,377 | $64,524 |
| 4-Bedroom | $5,659 | $67,908 |
To afford the FY2026 2-bedroom FMR of $4,214/mo under the 30%-of-income rule, a household needs about
$168,560/yr ($14,047/mo). Area Median Income is $137,200.
At CA's state minimum wage of $16.50/hr, a worker would need to work 197 hours/week to afford that rent.
Recent FMR Trend
| Fiscal Year | Studio | 1BR | 2BR | 3BR | 4BR |
|---|---|---|---|---|---|
| FY2026 | $3,179 | $3,298 | $4,214 | $5,377 | $5,659 |
| FY2025 | $3,056 | $3,221 | $4,223 | $5,256 | $5,605 |
| FY2024 | $2,849 | $3,085 | $4,054 | $5,000 | $5,504 |
| FY2023 | $2,212 | $2,502 | $3,293 | $4,077 | $4,568 |
| FY2022 | $2,085 | $2,385 | $3,138 | $4,000 | $4,458 |
| FY2021 | $1,993 | $2,292 | $3,021 | $3,947 | $4,419 |
| FY2020 | $1,641 | $1,913 | $2,519 | $3,342 | $3,746 |
FY2026 Income Limits
Area Median Income: $137,200
| Income Level | 1p | 2p | 3p | 4p | 5p | 6p |
|---|---|---|---|---|---|---|
| 30% AMI | $45,700 | $52,200 | $58,750 | $65,250 | $70,500 | $75,700 |
| 50% AMI | $76,150 | $87,000 | $97,900 | $108,750 | $117,450 | $126,150 |
| 80% AMI | $122,200 | $139,650 | $157,100 | $174,550 | $188,500 | $202,500 |