95010 Capitola, CA Fair Market Rent

What the FMR for ZIP 95010 actually means

HUD publishes Small Area Fair Market Rents at the ZIP code level for designated metros. ZIP 95010 (Capitola, CA) is covered by Santa Cruz-Watsonville, CA MSA, so FY 2026 figures here are ZIP-specific: $3,410 for a 1-bedroom, studio $3,290, 2-bedroom $4,360, 3-bedroom $5,560, and 4-bedroom $5,850. These are 40th-percentile gross rents (utilities except telephone), not live asking rents. Housing Choice Voucher payment standards are typically set between 90% and 110% of the applicable FMR/SAFMR.

Because this page uses SAFMR, nearby ZIPs in Santa Cruz can show different bedroom figures. Against the national benchmark the 1-bedroom SAFMR here is 256% above the US average of $959, and 107% above the CA state average of $1,647.

For budgeting, the 30% affordability rule says rent should not exceed 30% of gross household income. At the FY 2026 1-bedroom FMR of $3,410, that implies a household income of $136,400 per year (about $11,367/month) to avoid being cost-burdened, a 2-bedroom at $4,360 lifts that threshold higher still. ZIP 95010 has a population of 9,137 residents, so the gap between these FMR figures and local wages shapes how many households qualify as rent-burdened (paying more than 30% of income) or severely burdened (above 50%).