Santa Cruz-Watsonville, CA MSA · FY2026 area median income $137,200 · effective May 1, 2026
Check whether a deal here pencils →| Unit | 20% | 30% | 40% | 50% | 60% | 70% | 80% |
|---|---|---|---|---|---|---|---|
| Studio | $761 | $1,142 | $1,523 | $1,903 | $2,284 | $2,665 | $3,046 |
| 1BR | $815 | $1,223 | $1,631 | $2,039 | $2,447 | $2,855 | $3,263 |
| 2BR | $979 | $1,468 | $1,958 | $2,447 | $2,937 | $3,426 | $3,916 |
| 3BR | $1,131 | $1,696 | $2,262 | $2,827 | $3,393 | $3,958 | $4,524 |
| 4BR | $1,261 | $1,892 | $2,523 | $3,153 | $3,784 | $4,415 | $5,046 |
Gross rent includes utilities. Subtract the utility allowance for the rent you can charge.
| Household | 30% | 50% | 60% | 80% |
|---|---|---|---|---|
| 1 person | $45,690 | $76,150 | $91,380 | $121,840 |
| 2 persons | $52,200 | $87,000 | $104,400 | $139,200 |
| 3 persons | $58,740 | $97,900 | $117,480 | $156,640 |
| 4 persons | $65,250 | $108,750 | $130,500 | $174,000 |
| 5 persons | $70,470 | $117,450 | $140,940 | $187,920 |
| 6 persons | $75,690 | $126,150 | $151,380 | $201,840 |
| 7 persons | $80,910 | $134,850 | $161,820 | $215,760 |
| 8 persons | $86,130 | $143,550 | $172,260 | $229,680 |
Rents are capped at 30% of the income limit for an imputed household of 1.5 persons per bedroom, so a two-bedroom unit uses the three-person limit. Under the average income test, units can be designated from 20% to 80% AMI as long as the weighted average stays at or below 60%.
Run a deal in Santa Cruz County to see the sources and uses, bond test, DSCR, and funding gap using these rents.