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In Carmel-by-the-Sea, 40% of the residents are renting compared to 60% owning a home, according to data from the U.S. Census Bureau. Large-scale apartment buildings with more than 50 units represent none of Carmel-by-the-Sea's rentals, 32% are small-scale complexes with under 50 units, and 68% are single-family rentals.

The average age of rental buildings in Carmel-by-the-Sea is 31 years old, with none being newer apartment buildings completed since 2000. The average height of apartment buildings in the city is 3 stories, of which all are garden-style apartment communities, none are mid-sized buildings, and none are high-rises. These characteristics describe large-scale apartment communities of 50 apartments or more.

Rental apartments in Carmel-by-the-Sea come in a range of sizes and floorplans. Studio apartments represent 15% of units for rent, ideal for singles, renters on a budget and people who value central locations more than space. Rentals with 1-bedroom floorplans make up 55% of the total apartments in the city, while 2-bedroom floorplans represent around 30% of all rentals in Carmel-by-the-Sea. The rest are larger floorplans with 3 bedrooms or more, typically preferred by families, larger households or roommates sharing space.