37

Studio Apartments for Rent in Santa Cruz, CA

Section Image
  • /41

    Starting at $2,200 Per Month

    • Studio

    833 Front St, Santa Cruz, CA 95060

    *Availability and applications can be found on our website here: stgeorgeapartmentssc .comWelcome to St. George Apartments, located at 833 Front Street in downtown Santa Cruz. Enjoy the convenience of our prime location, steps away from shops, dining, UC Santa Cruz, and more.Experience the best of downtown Santa Cruz living at St. George Apartments. Choose from our studio, one,

    St. George Apartments

    833 Front St, Santa Cruz, CA 95060
  • /40

    Starting at $2,995 Per Month

    • Studio - 2 Beds

    414 Front St, Santa Cruz, CA 95060

    Opening in January 2026RiverRow is a new mixed-use community along the San Lorenzo River that brings modern living to the heart of Santa Cruz. Featuring 175 studio, one-, and two-bedroom apartmentsincluding affordable homesRiverRow blends contemporary and traditional design to support a diverse and vibrant downtown neighborhood. Ground-floor shops and restaurants activate the street, creating a

    River Row

    414 Front St, Santa Cruz, CA 95060
  • /60

    Starting at $2,295 Per Month

    • Studio - 2 Beds

    630 Water St, Santa Cruz, CA 95060

    The Breakers offers apartments in Santa Cruz, CA with the finest amenities. Visit our website for more information.

    The Breakers

    630 Water St, Santa Cruz, CA 95060
  • /24

    Starting at $2,802

    Total Monthly Price

    • Studio - 2 Beds

    101 Felix St, Santa Cruz, CA 95060

    Located just a few short blocks from downtown Santa Cruz, Cypress Point offers a superbly convenient location close to all the best the area has to offer! The nearby University of Santa Cruz, Santa Cruz Beach Boardwalk, along with popular attractions and amazing beaches, make this location central to an abundance of educational and recreational opportunities – all within a beautifully maintained

    Cypress Point

    101 Felix St, Santa Cruz, CA 95060
  • /3

    Starting at $1,860 Per Month

    • Studio

    1344 Pacific Ave, Santa Cruz, CA 95060

    The Palomar Hotel in downtown Santa Cruz was designed by the prominent early 20th century architect William Henry Weeks. Built in 1929 then remodeled in 1985 and 1990, the building represents a commitment to quality construction and details of design that are rare today. The Palomar was the pride of the Santa Cruz Community when built and it remains a beautiful and historic downtown landmark.

    The Palomar Inn

    1344 Pacific Ave, Santa Cruz, CA 95060
  • /7

    $2,900

    Total Monthly Price

    • Studio
    • 1 Bath
    • 502 Sq Ft
    • Condo for Rent

    135 Camino Del Sol Unit 135A, Santa Cruz, CA 95065

    Midtown/Eastside Santa Cruz, ocean view studio (500 sq ft), cul de sac in peaceful neighborhood near greenbelt and trails. Bedroom nook, full kitchen, washer/dryer, utilities included. No pets.

    135 Camino Del Sol Unit 135A, Santa Cruz, CA 95065

Why Live in Santa Cruz

Santa Cruz combines world-class surfing at Steamer Lane with the historic Beach Boardwalk amusement park along its stunning coastline. Nature lovers will find monarch butterflies migrating through Natural Bridges State Park and ancient redwoods towering in Henry Cowell Redwoods State Park. The Santa Cruz Wharf extends into Monterey Bay where sea lions bask in the sun, while downtown Pacific Avenue buzzes with local shops and street performers. The University of California Santa Cruz campus sits nestled among redwood forests, contributing to the city's educational atmosphere.

The Santa Cruz housing market includes a range of options across distinct neighborhoods. The median price for single-family homes is $1,510,000, with specific areas commanding different prices. Downtown Santa Cruz has a median single-family home price of $1,417,500, while Westlake homes reach $1,875,000. Live Oak presents more moderate options at $1,325,000, and Pasatiempo homes typically sell for $1,800,000. Twin Lakes properties have a median price of $1,697,000. Condominiums start at a median price of $575,000 for one bedroom units and $769,000 for two bedrooms. Townhomes in Santa Cruz have a median price of $1,080,000.

Property taxes in Santa Cruz County maintain a 0.62% effective rate. California applies a 1.00% state income tax rate for yearly salaries of $41,901, along with a combined sales tax rate of 8.80%. The city's educational system includes several highly rated schools. Santa Cruz High School and Harbor High School both earn A ratings, while private institutions like Gateway School and Kirby School receive A+ ratings. The Mediterranean climate keeps temperatures mild year-round, with summer highs between 65-75°F and winter temperatures from 45-60°F. Commuters can reach San Francisco in approximately 1.5 hours via Highway 17 and 280, though traffic may impact travel times.

Frequently Asked Questions

How much does it cost to rent a home in Santa Cruz, CA?
The median rent for a home in Santa Cruz, CA is $3,925 per month, though prices vary by neighborhood, size, and property type. As of July 2026, condos tend to be the most affordable option while townhouses and single-family homes are currently more expensive.
How much do you need to make to afford rent in Santa Cruz, CA?
To comfortably afford the median rent in Santa Cruz, CA, a household needs to earn roughly $157,000 per year. This is based on the common guideline that households should spend no more than 30% of gross income on housing. Most landlords require monthly household income of at least 3x the monthly rent, and with a median rent of $3,925 per month in Santa Cruz, CA, renters typically need to show $11,775 per month in gross income to qualify. Actual affordability will vary depending on household debts, other living expenses, and overall budget.
Is it more affordable to rent or buy in Santa Cruz, CA?
In Santa Cruz, CA, the price-to-rent ratio is 29.6, which generally favors renting. This ratio divides the median home price by the annual median rent: below 15 typically favors buying, 15 to 20 is balanced, and above 20 typically favors renting. Your finances, how long you plan to stay, and costs like mortgage rates, taxes, and maintenance all factor into the decision.

Rental Home Trends

Number of Homes for Rent
6
Median Rent
$3,925
Median Single Family Home Rent
$4,375
Median Townhouse Rent
$3,898
Median Condo Rent
$3,550
How to Rent a Home