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Blue Lake, CA

CitySAFMR
Humboldt County
Found 1 ZIP

City Median Investment Score

66Below average

095130300
BRFMR
Eff. Rent
0 BR$1,090$1,090
1 BR$1,150$1,150
2 BR$1,510$1,510
3 BR$2,090$2,090
4 BR$2,520$2,520
5 BR$2,898Not available
6 BR$3,333Not available
7 BR$3,833Not available
8 BR$4,407Not available

Purchase Price Calculator

Maximum purchase price
$162,469

Cost breakdown

+Likely effective rent$1,510
HUD FMRUsed$1,510
Market rentN/A
Est. payment standardN/A
-Principal and interest-$822
Loan amount$129,975
Down payment$32,494
Rate6.50%
Term30 years
-Operating costs-$488
Property taxes-$162
Insurance-$175
Utilities$0
HOA$0
Management-$151
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,349(74.9% ROI)
Projected value
$174,961
Return breakdown
Property appreciation+$12,492
Loan principal paid down+$4,657
Rental cash flow+$7,200
5-year hold
+$41,654(128.2% ROI)
Projected value
$183,819
Return breakdown
Property appreciation+$21,350
Loan principal paid down+$8,304
Rental cash flow+$12,000
10-year hold
+$89,292(274.8% ROI)
Projected value
$207,974
Return breakdown
Property appreciation+$45,505
Loan principal paid down+$19,787
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
--
Tax rate
--
Mortgage rate
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Blue Lake, CA fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Blue Lake, CA is $1,510 a month. That is down 4.4% from $1,580 in FY 2026. Blue Lake is in the Humboldt County, CA non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,554. The median county two-bedroom FMR in California is $1,725, so Blue Lake is 12% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Blue Lake, CA
BedroomsFY 2027Change90–110% range
Studio$1,090−3.5%$981–$1,199
1BR$1,150−5.0%$1,035–$1,265
2BR$1,510−4.4%$1,359–$1,661
3BR$2,090−5.0%$1,881–$2,299
4BR$2,520−4.9%$2,268–$2,772

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Blue Lake, CA
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,090$1,150$1,510$2,090$2,520
FY 2026$1,130$1,210$1,580$2,200$2,650
FY 2025$1,150$1,220$1,590$2,230$2,670
FY 2024area FMR$950$1,032$1,352$1,905$2,294
FY 2023area FMR$812$907$1,183$1,681$2,015

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Questions about Blue Lake, CA rents

How much will Section 8 pay for a two-bedroom in Blue Lake, CA?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,554, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,399 to $1,709 a month; under the ZIP-level Small Area FMR of $1,510 it would be $1,359 to $1,661. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is Blue Lake, CA in?

Blue Lake, CA is in the Humboldt County, CA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,554.

How much did fair market rent change in Blue Lake, CA for FY 2027?

The two-bedroom FMR fell 4.4%, from $1,580 in FY 2026 to $1,510 in FY 2027. Since FY 2025 it has fallen 5.0%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set