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Affordable Housing In Santa Cruz
Santa Cruz County, California

28 Low Income Apartment Communities In Santa Cruz

St Stephens Senior Housing

2510 Soquel Avenue
Santa Cruz, California
Income Based
Studio-2 BR

Jessie Street

314 Jessie Street
Santa Cruz, California
Income Based
Studio-1 BR

Garfield Park Village

721 Bay St
Santa Cruz, California
Call For Rent
Studio-2 BR
Subsidized
62+
Accessible
Elderly Supportive Housing
Accepts Vouchers

East Cliff Village

1635 Tremont Dr
Santa Cruz, California
Call For Rent
1 BR
Subsidized
62+
Accessible
Elderly Supportive Housing
Accepts Vouchers
Accessible

Mission Gardens

90 Grandview St
Santa Cruz, California
Call For Rent
1-3 BR
Subsidized

Gault Street Senior Housing

211 Gault St
Santa Cruz, California
Subsidized
62+
Accessible
Elderly Supportive Housing
Accepts Vouchers

Sycamore Street Commons

125 Sycamore St
Santa Cruz, California
Accepts Vouchers

Monarch Housing Project

2206 40th Ave
Santa Cruz, California
Subsidized
Accessible
Accessible
Disabled Supportive Housing

Casa Linda

1840 Maciel Ave
Santa Cruz, California
Subsidized
Accessible
Accessible
Disabled Supportive Housing

Stepping Out Housing

740 N Plymouth St
Santa Cruz, California
Subsidized
62+
Accessible
Elderly Supportive Housing

Housing Authorities that serve Santa Cruz

Housing Authority Programs
Housing Authority of the County of Santa Cruz Section 8 Housing Choice Voucher (HCV); Public Housing; Veteran Affairs Supportive Housing (VASH); Family Unification Program (FUP)

Guide To Affordable Housing in Santa Cruz, California

There are 28 low income housing apartment communities offering 1,939 affordable apartments for rent in Santa Cruz, California.

Income Based Apartments in Santa Cruz, California

Santa Cruz features 1,160 income based apartments. Tenants of income based apartments typically pay no more than 30% of their income towards rent and utilities.

Low Rent Apartments in Santa Cruz, California

There are 779 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Santa Cruz.

Housing Choice Vouchers in Santa Cruz, California

On average, Section 8 Housing Choice vouchers pay Santa Cruz landlords $1,400 per month towards rent. The average voucher holder contributes $500 towards rent in Santa Cruz.

The maximum amount a voucher would pay on behalf of a low-income tenant in Santa Cruz, California for a two-bedroom apartment is between $2,267 and $2,771.

2020 Santa Cruz, California Fair Market Rents and Housing Choice Voucher Payment Standards

Fair Market Rents can be used to better understand the average housing costs of an area. Fair Market Rents are used by HUD to establish payment and rent standards for federal rental assistance programs like the Section 8 Housing Choice Voucher Program.

Studio One BR Two BR Three BR Four BR
Fair Market Rent $1,641 $1,913 $2,519 $3,342 $3,746
Payment Standard Range $1,477 to $1,805 $1,722 to $2,104 $2,267 to $2,771 $3,008 to $3,676 $3,371 to $4,121

Sourced from federal housing data and AffordableHousingOnline.com research.

Santa Cruz, CA Affordable Housing Snapshot

Total Affordable Apartment Properties 28
Total Low Income Apartments 1,939
Total Housing Units with Rental Assistance 1,160
Percentage of Housing Units Occupied By Renters 56.04%
Average Renter Household Size 2.51
Average Household Size 2.49
Median Household Income $62,164 ±$3,236
Median Rent $1,545 ±$62
Percentage Of Renters Overburdened 62.96% ± 4.89pp
Total Population 62,752

Population and Household Demographics

Santa Cruz is a city in Santa Cruz County, California with a population of 62,752. There are 21,516 households in the city with an average household size of 2.49 persons. 56.04% of households in Santa Cruz are renters.

Income and Rent Overburden in Santa Cruz

The median gross income for households in Santa Cruz is $62,164 a year, or $5,180 a month. The median rent for the city is $1,545 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Santa Cruz, a household making less than $5,150 a month would be considered overburdened when renting an apartment at or above the median rent. 62.96% of households who rent are overburdened in Santa Cruz.

Area Median Income In Santa Cruz

Affordable housing program eligibility is always determined by one's income. Each household's income is compared to the incomes of all other households in the area. This is accomplished through a statistic established by the government called the Area Median Income, most often referred to as AMI. The AMI is calculated and published each year by HUD.

HUD often uses an area larger than a city to determine the AMI because HUD anticipates those searching for housing will look beyond individual cities during their housing search. For Santa Cruz, the AMI is calculated from all households within Santa Cruz County.

In Santa Cruz, HUD calculates the Area Median Income for a family of four as $110,000

Most affordable housing programs determine eligibility based on the percent of AMI a given household's income is. Among the programs that determine eligibility based on the AMI are Section 8, HOME, LIHTC, Section 515, 202 and 811.

Rental Assistance in Santa Cruz

Rental assistance is a type of housing subsidy that pays for a portion of a renter’s monthly housing costs, including rent and tenant paid utilities. This housing assistance can come in the form of Section 8 Housing Choice Vouchers, project-based Section 8 contracts, public housing, USDA Rental Assistance (in Section 515 properties) as well as HUD Section 202 and 811 properties for elderly and disabled households.

Income Qualifications for HUD Rental Assistance in Santa Cruz

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $27,800 $31,800 $35,750 $39,700 $42,900 $46,100 $49,250 $52,450
50% of Median $46,350 $53,000 $59,600 $66,200 $71,500 $76,800 $82,100 $87,400
80% of Median $74,350 $85,000 $95,600 $106,200 $114,700 $123,200 $131,700 $140,200