Renters insurance and housing data for Santa Cruz County, CA

Name: HomeCover HQ Rates Index: Santa Cruz County, CA
Creator: HomeCover HQ
Published: 2026-08-17
License: https://homecoverhq.com/terms

The Census counts 38,771 renter households in Santa Cruz County.

The figures below are that county's own ACS records; state premium averages sit one level up.

renter households: 38,771
median gross rent, monthly: $2,172
median home value: $1,015,200

How this compares to California

Santa Cruz County38,771
California5,940,036

Table view

Row	Value
Santa Cruz County	38,771
California	5,940,036

How this compares to California

California overall: 5,940,036 renter households across the state, average renters premium $169.

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Sources, citation and related pages

Cite or embed this figure

Cite as: "HomeCover HQ Rates Index: Santa Cruz County, CA", updated 2026-08-17, https://homecoverhq.com/rates/california/santa-cruz-county-ca/.

Source: NAIC Homeowners Report average premiums (2022 data year) and US Census ACS 5-year (2023) county housing records, computed 2026-08-17.

content.naic.org NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance Report (2022 data) (NAIC public report)

www2.census.gov US Census Bureau ACS 5-year (2023) tables B25003/B25064/B25077 (US Government public domain)
www2.census.gov Census 2023 Gazetteer, counties (US Government public domain)

Methodology: State average premiums by policy form (HO-3 owner-occupied, HO-4 tenant/renters, HO-6 condo, plus HO-2/HO-5 where published) are the NAIC Dwelling Fire/Homeowners report's 2022 data year, transcribed per state and cross-checked against the countrywide row; the NAIC does not publish county premiums, so county rows carry Census ACS 5-year (2023) records instead: total households, renter-occupied households, median gross rent and median home value per county FIPS. County names and centroids come from the Census 2023 Gazetteer. Puerto Rico and territory counties are excluded (no NAIC premium row). Figures describe published filings and Census records, never quotes: your premium depends on carrier, coverage and property.

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