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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.

Studio apartments in Carmel-by-the-Sea are around 15% of rentals, while 1-bedroom floor plans represent 55% of the total stock. For those in search of larger rentals, 2-bedroom floorplans make up 30% of all rentals. More generous apartments with 3 bedrooms or more are also available in this city for those in search of more space.