Cheap Apartments In Santa Cruz County
California

Low Income Apartments In Santa Cruz County

Sunny Meadows Apartments

220 Ross Ave
Freedom, CA
Income Based
1-4 BR
HCV Welcome

Parkhurst Terrace

100 Parkhurst Cir
Aptos, CA
Income Based
1-4 BR
HCV Welcome

Aptos Blue

3200 Aptos Rancho Rd
Aptos, CA
Income Based
1-3 BR
HCV Welcome

Via Del Mar

124 W Beach St
Watsonville, CA
Income Based
1-3 BR
HCV Welcome

Scotts Valley, City Of

101 Civic Center Dr
Scotts Valley, CA
Income Based
1-4 BR
HCV Welcome

Jardines Del Valle

76 Murphy Crossing Rd
Watsonville, CA
Income Based
2-4 BR
HCV Welcome

Schapiro Knolls

33 Minto Rd
Watsonville, CA
Income Based
1-4 BR
HCV Welcome

St Stephens Senior Housing

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

Jessie Street

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

Villas Del Paraiso

340A Paraiso Dr
Watsonville, CA
Income Based
1-4 BR
HCV Welcome

There are 66 low income housing apartment complexes which contain 4,182 affordable apartments for rent in Santa Cruz County, California. Many of these rental apartments are income based housing with about 1,736 apartments that set rent based on your income. Often referred to as "HUD apartments", there are 891 Project-Based Section 8 subsidized apartments in Santa Cruz County. There are 2,493 other low income apartments that don't have rental assistance but are still considered to be affordable housing for low income families.

Housing Authorities that serve Santa Cruz County

Housing Authority Programs
Housing Authority of the County of Santa Cruz Section 8 Housing Choice Voucher; Public Housing

Other Housing Authorities located in Santa Cruz County

Housing Authority Programs
City of Hollister Section 8 Housing Choice Voucher

Understanding Affordable Housing in Santa Cruz County, California

Santa Cruz County, CA Affordable Housing Snapshot

Total Affordable Apartment Properties 66
Total Low Income Apartments 4,182
Total Rent Assisted Apartments 1,736
Percentage of Housing Units Occupied By Renters 42.38%
Average Renter Household Size 2.82
Total Population 269,278
Housing Units 94,802
Average Household Size 2.72
Median Household Income $67,256 ±$1,534
Median Rent $1,441 ±$26
Percentage Of Renters Overburdened 59.29% ± 2.41pp

Population and Household Demographics

Santa Cruz County is a County in California with a population of 269,278. There are 94,802 households in the county with an average household size of 2.72 persons. 42.38% of households in Santa Cruz County are renters.

Income and Rent Overburden in Santa Cruz County

The median gross income for households in Santa Cruz County is $67,256 a year, or $5,605 a month. The median rent for the county is $1,441 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Santa Cruz County, a household making less than $4,803 a month would be considered overburdened when renting an apartment at or above the median rent. 59.29% of households who rent are overburdened in Santa Cruz County.1

Data derived from 2010 Census and 2015 5-Year American Community Survey. Learn More.
1 Margin of Error: ± 2.41 percentage points.

Area Median Income In Santa Cruz County

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.

In Santa Cruz County, HUD calculates the Area Median Income for a family of four as $81,400

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 County

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 Santa Cruz County HUD Rental Assistance in Santa Cruz County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $23,450 $26,800 $30,150 $33,500 $36,200 $38,900 $41,550 $44,250
50% of Median $39,100 $44,650 $50,250 $55,800 $60,300 $64,750 $69,200 $73,700
80% of Median $62,650 $71,600 $80,550 $89,450 $96,650 $103,800 $110,950 $118,100

You can identify apartment communities that participate in a program that provides rental assistance by looking for the tags in the apartment list above. View Apartments.

Low Income Housing Tax Credits in Santa Cruz County

The Low-Income Housing Tax Credit (LIHTC) program aims to create affordable rental housing for low and very low income families.

From 1987 to 2011, 33 low income apartment communities containing 1,726 rental apartments have been constructed and made affordable to low income persons in Santa Cruz County by the Low Income Housing Tax Credit Program.

You can identify apartment communities that participate in the program in Santa Cruz County by looking for the tag in the apartment list above. View Apartments.

If your income is less than 60% of the Area Median Income (AMI), you should not expect to pay more than the rent value for a unit in the table below. However, Affordable apartment communities that receive funding through the Low Income Housing Tax Credit program may have rental units that are not subject to income and rent limits.

Rent limits for the LIHTC Program are determined so that a household making the maximum income for the expected household size of the unit would only pay 30% of their income for rent.

Income Qualifications for Low Income Housing Tax Credit Apartments in Santa Cruz County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $39,100 $44,650 $50,250 $55,800 $60,300 $64,750 $69,200 $73,700
60% of Median $46,920 $53,580 $60,300 $66,960 $72,360 $77,700 $83,040 $88,440

For example, the expected household size for a two bedroom apartment is 3 people. Using the table above, the maximum income for a 3 person household at 60% of the AMI in Santa Cruz County is $60,300 a year, or $5,025 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $5,025 by 30% to get a maximum rent of $1,508 a month.

Rent for units in the LIHTC Program include a utility allowance which is determined by the average monthly cost of utilities paid directly by residents. This allowance has not been subtracted from the rents in the table below. These utility allowances are set on a property by property basis.

% of AMI Studio 1 Bed 2 Bed 3 Bed 4 Bed 5 Bed
50% $978 $1,047 $1,256 $1,451 $1,619 $1,786
60% $1,173 $1,256 $1,508 $1,742 $1,943 $2,144
Fair Market Rents in Santa Cruz County

Fair Market Rents, often abbreviated as FMR, can be used to better understand the average housing costs of an area. Notably, Fair Market Rents are used to establish the payment standards for the Housing Choice Voucher Program, maximum rents in HOME financed rental projects and initial rents for Section 8 project based assistance.

2019 Fair Market Rents
Studio One BR Two BR Three BR Four BR
$1,567 $1,844 $2,439 $3,241 $3,701

Cities In Santa Cruz County

Select A City to View its Apartment Communities and Waiting Lists.

City Listings Served By
Santa Cruz 28 The HUD funded Public Housing Agency that serves Santa Cruz is the Housing Authority of the County of Santa Cruz.
Watsonville 20 The HUD funded Public Housing Agency that serves Watsonville is the Housing Authority of the County of Santa Cruz.
Live Oak 0 The HUD funded Public Housing Agency that serves Live Oak is the Housing Authority of the County of Santa Cruz.
Scotts Valley 1 The HUD funded Public Housing Agency that serves Scotts Valley is the Housing Authority of the County of Santa Cruz.
Freedom 6 The HUD funded Public Housing Agency that serves Freedom is the Housing Authority of the County of Santa Cruz.
Capitola 2 The HUD funded Public Housing Agency that serves Capitola is the Housing Authority of the County of Santa Cruz.
Aptos 5 The HUD funded Public Housing Agency that serves Aptos is the Housing Authority of the County of Santa Cruz.
Soquel 3 The HUD funded Public Housing Agency that serves Soquel is the Housing Authority of the County of Santa Cruz.
Amesti 0 The HUD funded Public Housing Agency that serves Amesti is the Housing Authority of the County of Santa Cruz.
Aptos Hills Larkin Valley 0 The HUD funded Public Housing Agency that serves Aptos Hills Larkin Valley is the Housing Authority of the County of Santa Cruz.
Ben Lomond 0 The HUD funded Public Housing Agency that serves Ben Lomond is the Housing Authority of the County of Santa Cruz.
Bonny Doon 0 The HUD funded Public Housing Agency that serves Bonny Doon is the Housing Authority of the County of Santa Cruz.
Boulder Creek 0 The HUD funded Public Housing Agency that serves Boulder Creek is the Housing Authority of the County of Santa Cruz.
Brookdale 0 The HUD funded Public Housing Agency that serves Brookdale is the Housing Authority of the County of Santa Cruz.
Corralitos 0 The HUD funded Public Housing Agency that serves Corralitos is the Housing Authority of the County of Santa Cruz.
Davenport 0 The HUD funded Public Housing Agency that serves Davenport is the Housing Authority of the County of Santa Cruz.
Day Valley 0 The HUD funded Public Housing Agency that serves Day Valley is the Housing Authority of the County of Santa Cruz.
Felton 0 The HUD funded Public Housing Agency that serves Felton is the Housing Authority of the County of Santa Cruz.
Interlaken 0 The HUD funded Public Housing Agency that serves Interlaken is the Housing Authority of the County of Santa Cruz.
La Selva Beach 0 The HUD funded Public Housing Agency that serves La Selva Beach is the Housing Authority of the County of Santa Cruz.
Lompico 0 The HUD funded Public Housing Agency that serves Lompico is the Housing Authority of the County of Santa Cruz.
Mount Hermon 0 The HUD funded Public Housing Agency that serves Mount Hermon is the Housing Authority of the County of Santa Cruz.
Pleasure Point 0 The HUD funded Public Housing Agency that serves Pleasure Point is the Housing Authority of the County of Santa Cruz.
Pajaro Dunes 1 The HUD funded Public Housing Agency that serves Pajaro Dunes is the Housing Authority of the County of Santa Cruz.
Paradise Park 0 The HUD funded Public Housing Agency that serves Paradise Park is the Housing Authority of the County of Santa Cruz.
Pasatiempo 0 The HUD funded Public Housing Agency that serves Pasatiempo is the Housing Authority of the County of Santa Cruz.
Rio del Mar 0 The HUD funded Public Housing Agency that serves Rio del Mar is the Housing Authority of the County of Santa Cruz.
Seacliff 0 The HUD funded Public Housing Agency that serves Seacliff is the Housing Authority of the County of Santa Cruz.
Twin Lakes 0 The HUD funded Public Housing Agency that serves Twin Lakes is the Housing Authority of the County of Santa Cruz.
Zayante 0 The HUD funded Public Housing Agency that serves Zayante is the Housing Authority of the County of Santa Cruz.
Aptos Hills-Larkin Valley 0 The HUD funded Public Housing Agency that serves Aptos Hills-Larkin Valley is the Housing Authority of the County of Santa Cruz.