Low Income Apartments and Affordable Housing For Rent in Santa Cruz County, CA

Discover affordable housing in Santa Cruz County where there are 105+ housing opportunities based on income and household needs like accessible units for seniors or persons with disabilities. Find and apply to these low income apartments now.

Via Pacifica Gardens

1860 Via Pacifica, Aptos, California 95003

payment Subsidized

Gault Street Senior Housing

211 Gault St, Santa Cruz, California 95062

switch_access_shortcut Short Wait
real_estate_agent Accepts Vouchers
accessibility Accessible

Monarch Housing Project

2206 40th Ave, Santa Cruz, California 95062

payment Subsidized
accessibility Accessible
accessible_forward Disability

Stepping Out Housing

740 N Plymouth St, Santa Cruz, California 95060

switch_access_shortcut Short Wait

Seaside Apartments

1380 30th Avenue, Santa Cruz, California 95062

payment Subsidized

Independence Square

1355 Madison St, Watsonville, California 95076

switch_access_shortcut Short Wait

Arbor Cove

84 Blackburn St, Santa Cruz, California 95060

switch_access_shortcut Short Wait

Casa De Exito

107 California St, Watsonville, California 95076

payment Subsidized
accessibility Accessible
accessible_forward Disability

Tierra Linda Apartments

490 Beck Street, Watsonville, California 95076

switch_access_shortcut Short Wait
accessibility Accessible

Seacliff Highlands Apartments

151 Canterbury Drive, Aptos, California 95003

switch_access_shortcut Short Wait
accessibility Accessible

Pacific Terrace Associates

131 Landis Avenue, Watsonville, California 95019

switch_access_shortcut Short Wait
accessibility Accessible

Pajaro Court

170 Pennsylvania Dr, Watsonville, California 95076

bed 2-3
payment $586-955/mo.
switch_access_shortcut Short Wait
accessibility Accessible

Nuevo Amanecer Apartments

15 Salinas Road, Pajaro Dunes, California 95076

switch_access_shortcut Short Wait
payment Subsidized
accessibility Accessible

Vista Verde

45 Stewart Avenue, Freedom, California 95019

bed 2-4
payment $454-855/mo.
switch_access_shortcut Short Wait
accessibility Accessible

Bay Ave Senior Apartments

750 Bay Avenue , Capitola, California 95010

bed 1-3
switch_access_shortcut Short Wait
real_estate_agent Accepts Vouchers
payment Income Based
accessibility Accessible

Lincoln Square

1202-1208 Lincoln Street, Watsonville, California 95076

bed Studio
switch_access_shortcut Short Wait

Water Street Apartments

708 Water Street, Santa Cruz, California 95060

bed 1-2
switch_access_shortcut Short Wait
real_estate_agent Accepts Vouchers
payment Income Based
accessibility Accessible

Capitola Gardens

1745 46th Ave, Capitola, California 95010

bed 1
payment $3075/mo.

Five55

555 Pacific Ave, Santa Cruz, California 95060

bed 1
payment $3050/mo.

1010 Pacific Apartments

1010 Pacific Ave, Santa Cruz, California 95060

bed 1-2
payment $1598-3927/mo.

How To Identify Affordable Housing in Santa Cruz County, California

Look for program and preference badges on affordable apartment listings. These badges can help you identify the types of low income housing each apartment offers and if you may be eligbile for rental assistance or reduced rents.

Badge Description
switch_access_shortcut Short Wait
Low income apartments with no or short waiting lists.
payment Subsidized
Low income housing where the rent is subsidized and the renter pays only a portion of total rent.
real_estate_agent Accepts Vouchers
Apartments that accept Section 8 vouchers near you
elderly Senior
Rental housing for seniors who are 55 (or sometimes 62) and older.
payment Income Based
Affordable apartments where the rent paid is based on renter income.
accessibility Accessible
Meets Accessibilty Requirements of the Fair Housing Act, the ADA, or HUD policy.
accessible_forward Disability
Apartments for individuals or families with disabilities.
real_estate_agent Naturally Affordable
Naturally Occuring Affordable Housing - or NOAH - is any housing unit that offers affordable rent without participating in a rent subsidy program.
The Hourly Wage Needed to Afford A Safe, Modest 2 Bed Apartment In Santa Cruz County, California
$76.78/hour
$60.78 (+380%) more than California minimum wage and $69.53 (+959%) more than the Federal minimum wage.
Learn More About Santa Cruz County, California Affordable Housing ↓

What HUD offices serve Santa Cruz County, California?

Public Housing Agencies operate federally assisted affordable housing programs at local levels on behalf of HUD. Notably, housing agencies are responsible for managing Section 8 Housing Choice Voucher, Public Housing, and Project-Based Voucher waiting lists within their jurisdiction.

Operates the Section 8 Housing Choice Voucher (HCV), Public Housing, Veteran Affairs Supportive Housing (VASH), Family Unification Program (FUP) programs for Santa Cruz County, California.

Go to the California Public Housing and Low-Income Apartments Waiting Lists page for openings near Santa Cruz County.

How many renters live in Santa Cruz County, California?

The County of Santa Cruz County has people living in households.

There are renters living in renter households in this County. Renters make up 36.89 percent of the population living in Santa Cruz County.

What is the rental market like in Santa Cruz County, California?

There are an estimated housing units in the Santa Cruz County area. Of these, units are rental homes, making up percent of the housing market. For every renter household in Santa Cruz County, California, there are 1.05 rental units.

What is the vacancy rate for rentals in Santa Cruz County?

The rental vacancy rate in Santa Cruz County is 4 percent. This is a lower than average vacancy rate. When rental vacancy rates are low there are fewer available units. Rents tend to be higher as more people compete for scarce housing.

How many rental units are in Santa Cruz County for each bedroom size?

Occupied Rental Units by Size in Santa Cruz County
Studio One-Bedroom Two-Bedroom Three-Bedroom Four+ Bedrooms
4,199 7,886 15,442 7,418 1,775
Occupied Rental Units by Size in Santa Cruz County

A large number of apartments in Santa Cruz County have two or fewer bedrooms. Seniors and young professionals especially may have more success finding an apartment that meets their needs.

How Much Is Rent in Santa Cruz County

Depending on size, the Fair Market Rent - HUDs measurement of the cost of an average housing unit - ranges from $2,849 to $5,504. FMRs are updated annually by HUD for every city and county nationwide.

Bed Size 2024 Fair Market Rents
Studio $2,849
One BR $3,085
Two BR $4,054
Three BR $5,000
Four BR $5,504
2024 Fair Market Rents in Santa Cruz County, California

How many units are rented at Fair Market Rent (FMR) in Santa Cruz County?

Renters with a Section 8 Housing Choice Voucher must select a home that is at or below the area’s Fair Market Rent. Markets with a large share of units above FMR tend to have longer search times to find a qualified unit, while those with a large share of units below FMR tend to have more choices and shorter search times. The share below FMR can vary by size of unit, as shown in the table below.

These are the approximate number of units renting below the FMR in this market:

Unit Size Count of Units Below FMR Percentage of Total Units Below FMR
Studio 2,601 62 percent
One BR 3,410 43 percent
Two BR 3,039 20 percent
Rental Units Below FMR in Santa Cruz County, California

How many affordable rental units are in Santa Cruz County?

There are a variety of federal affordable housing programs serving households in Santa Cruz County, California including the following:

Federal Program Unit Count
Low Income Housing Tax Credit
Section 8 Project-Based Rental Assistance
Mod Rehab Project-Based Rental Assistance
Section 202 Supportive Housing for the Elderly
Section 811 Supportive Housing for Persons with Disabilities
USDA Section 514 Farm Labor Housing
Tracked Units by Federal Program in Santa Cruz County, California

Rental units may be funded in part by multiple federal programs.

Income Based Apartments in Santa Cruz County, California

Santa Cruz County features 1,630 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 County, California

There are 2,386 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Santa Cruz County.

Housing Choice Vouchers in Santa Cruz County, California

On average, Section 8 Housing Choice vouchers pay Santa Cruz County landlords $1,300 per month towards rent. The average voucher holder contributes $600 towards rent in Santa Cruz County.

The maximum amount a voucher would pay on behalf of a low-income tenant in Santa Cruz County, California for a two-bedroom apartment is between $3,649 and $4,459.

Sourced from federal housing data and AffordableHousingOnline.com research.

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