City Report · CA

Aptos

Pop. 6,404·47th most expensive in California·Rents have been falling, good time to negotiate
Median rent (all units)
$3,924/mo
Year-over-Year
+4.2%
Month-over-Month
-3.2%
vs US Median
+$1,962
Falling (Monthly)
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Most AffordableMost Expensive
Aptos · $3,924
More expensive than 97% of US cities · National median $1,962/mo
Affordability
35% of income
MODERATE
0%30% benchmark60%+

At $3,924/mo, rent takes about 35% of the local median household income, slightly above the 30% benchmark.

Income to afford
$157,000/yr
Local median income
$134,048/yr
Based on the 30%-of-income rule using Aptos's median rent and household income. See the full affordability breakdown →
Medians by bedroom

Rent by unit size

Studio
$3,420
1 BR
$3,600
2 BR
$4,720
3 BR
$5,870
4 BR+
$6,270
Fair Market Rent (HUD)
$4,720/mo

These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $3,924 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.

Source: HUD Small Area Fair Market Rents. Read the methodology →

Rent trends

12-month history

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Last updated: August 17, 2026

Annual cost
$47,088/yr
At $3,924/mo median
Rent Market Meter
Renter's Market
Renter's MarketBalancedLandlord's Market
Rents are softening (up only 4.2% YoY), so renters have negotiating leverage.
Based on rent-price momentum (+4.2% YoY, -3.2% MoM), not inventory.
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Demographics

Who lives here

Aptos, CA is majority owner-occupied, has a large retiree population, has a median income above the national average, 49.5% of residents hold a bachelor's degree or higher.

Population
6,404
Median income
$134,048
Median age
45.7
Renters
28.9%
Age distribution
14%
26.6%
19.2%
15.1%
25.2%
Under 1814%
18–3426.6%
35–5419.2%
55–6415.1%
65+25.2%
Gender
47.9%
52.1%
Male47.9%
Female52.1%
Race & ethnicity
80.2%
15.8%
White80.2%
Hispanic15.8%
Asian2.2%
Other1.6%
Education (25+)
14.3%
33.8%
49.5%
No HS diploma2.4%
HS diploma14.3%
Some college33.8%
Bachelor's+49.5%
Housing tenure
71.1%
28.9%
Owner71.1%
Renter28.9%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2023 vs 2026

How Aptos, CA has changed in 5 years

Rent
$3,755 → $3,924
up 4.5%
Income
$116,583 → $134,048
up 15.0%
Population
6,372 → 6,404
up 0.5%
Renter share
19.8% → 28.9%
+9.1 pts
Bachelor's+
50.5% → 49.5%
-1.0 pts
Median age
53.5 → 45.7
-7.8 yrs

Across the past five years, the going rent in Aptos, CA has shifted from $3,755 to $3,924, up 4.5% since 2023. On the earnings side, the typical household in Aptos, CA now reports about $134,048, up from $116,583 in 2021. With wages climbing faster than rent over the same window, renters here have a bit more breathing room than they did five years back. The renter share has risen from 19.8% to 28.9%, with owner-occupied housing accounting for the remainder. For context, the 2023 to 2026 window covers an unusually volatile run for US rents nationally, and Aptos, CA reflects that arc in its own way.

Community

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View Aptos rent history (2015–2026) →
Salary vs rent

Can you afford rent in Aptos on your salary?

At $3,924/mo, how Aptos rent compares to typical pay (30% rule).

By apartment size

Aptos rent by bedroom count

Median rent for each apartment size in Aptos. Click any size for full breakdown.

Local insights

Tips for renters in Aptos

About renting in Aptos, CA

Last updated: August 17, 2026

The median rent in Aptos is $3,924/mo as of August 2026. A studio apartment averages $3,420/mo while a 2-bedroom runs $4,720/mo. One-bedroom apartments average $3,600/mo and 3-bedroom units go for $5,870/mo.

At 35% of local median household income ($134,048/yr), Aptos ranks as moderate compared to the national benchmark of 30%. Rents have increased 4.2% over the past year.

FAQ

Frequently asked questions

Is Aptos an affordable city for renters?

Aptos is considered moderate for renters. At $3,924/mo, rent takes approximately 35% of the local median household income ($134,048/yr). The standard benchmark is 30%. Aptos slightly exceeds that threshold, so budgeting carefully matters here.

How much income do you need to rent in Aptos?

To keep rent at or below 30% of gross income, you would need to earn at least $157,000/year (~$75/hour full-time) to afford the median rent of $3,924/mo in Aptos. The local median household income is $134,048/yr, meaning the typical Aptos household falls short of that threshold.

Is rent going up or down in Aptos?

Rent in Aptos has increased 4.2% over the past year as of August 2026, putting upward pressure on renter budgets.

How does Aptos rent compare to other cities in California?

Aptos is one of the pricier cities in California for rent, ranking #47 out of 381 tracked cities at $3,924/mo.

Which nearby cities are cheaper to rent in than Aptos?

Several nearby cities have lower median rents than Aptos ($3,924/mo): Watsonville ($3,192/mo), Capitola ($3,318/mo), Santa Cruz ($3,560/mo).

What percentage of Aptos residents rent vs. own?

According to Census data, approximately 28.9% of Aptos households are renters, while 71.1% are owner-occupied. Aptos leans toward homeownership, which can mean a smaller rental inventory.

How does Aptos rent compare to the national average?

Aptos's median rent of $3,924/mo is $1,962 (100%) above the US national median of $1,962/mo. Within California, it ranks #47 out of 381 tracked cities.
Income Affordability
35%
MODERATE

At $3,924/mo, rent takes ~35% of Aptos's median household income ($134,048/yr). The standard benchmark is 30%.

Aptos 35%Benchmark 30%
State income tax1–13.3%
Run the Aptos affordability calculator →
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Neighborhoods

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Public schools near Aptos, CA

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