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CA/Shasta County/Cottonwood

Cottonwood, CA

CitySAFMR
Shasta County
Found 1 ZIP

City Median Investment Score

69Below average

095130300
BRFMR
Eff. Rent
0 BR$1,240$1,310
1 BR$1,300$1,320
2 BR$1,700$1,460
3 BR$2,360$2,000
4 BR$2,850$2,250
5 BR$3,277Not available
6 BR$3,769Not available
7 BR$4,334Not available
8 BR$4,985Not available

Purchase Price Calculator

Maximum purchase price
$155,039

Cost breakdown

+Likely effective rent$1,460
HUD FMR$1,700
Market rentUsed$1,460
Est. payment standard (91%)$1,540
-Principal and interest-$784
Loan amount$124,031
Down payment$31,008
Rate6.50%
Term30 years
-Operating costs-$476
Property taxes-$155
Insurance-$175
Utilities$0
HOA$0
Management-$146
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,565(76.0% ROI)
Projected value
$166,960
Return breakdown
Property appreciation+$11,921
Loan principal paid down+$4,444
Rental cash flow+$7,200
5-year hold
+$40,298(130.0% ROI)
Projected value
$175,412
Return breakdown
Property appreciation+$20,373
Loan principal paid down+$7,924
Rental cash flow+$12,000
10-year hold
+$86,306(278.3% ROI)
Projected value
$198,463
Return breakdown
Property appreciation+$43,424
Loan principal paid down+$18,882
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.92
1 BR
0.98
2 BR
1.16
3 BR
1.18
4 BR
1.27
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Cottonwood, CA fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Cottonwood, CA is $1,700 a month. That is up 3.0% from $1,650 in FY 2026. Cottonwood is in the Redding, CA MSA. 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 metro-wide two-bedroom FMR of $1,581. The median county two-bedroom FMR in California is $1,725, so Cottonwood is 1% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Cottonwood, CA
BedroomsFY 2027Change90–110% range
Studio$1,240+4.2%$1,116–$1,364
1BR$1,300+3.2%$1,170–$1,430
2BR$1,700+3.0%$1,530–$1,870
3BR$2,360+3.5%$2,124–$2,596
4BR$2,850+2.9%$2,565–$3,135

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Cottonwood, CA
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,240$1,300$1,700$2,360$2,850
FY 2026$1,190$1,260$1,650$2,280$2,770
FY 2025$1,130$1,230$1,620$2,190$2,690
FY 2024$980$1,100$1,440$2,030$2,440
FY 2023$820$930$1,230$1,750$2,100

Questions about Cottonwood, CA rents

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

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,581, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,423 to $1,739 a month; under the ZIP-level Small Area FMR of $1,700 it would be $1,530 to $1,870. 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 Cottonwood, CA in?

Cottonwood, CA is in the Redding, CA MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,581.

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

The two-bedroom FMR rose 3.0%, from $1,650 in FY 2026 to $1,700 in FY 2027. Since FY 2023 it has risen 38.2%.

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