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El Dorado, CA

CitySAFMR
El Dorado County
Found 1 ZIP

City Median Investment Score

79Below average

095130300
BRFMR
Eff. Rent
0 BR$1,530$1,510
1 BR$1,610$1,690
2 BR$1,980$2,030
3 BR$2,630$2,510
4 BR$3,030$2,820
5 BR$3,484Not available
6 BR$4,007Not available
7 BR$4,608Not available
8 BR$5,299Not available

Purchase Price Calculator

Maximum purchase price
$239,741

Cost breakdown

+Likely effective rent$2,030
HUD FMR$1,980
Market rent$2,050
Est. payment standard (102%)Used$2,030
-Principal and interest-$1,212
Loan amount$191,793
Down payment$47,948
Rate6.50%
Term30 years
-Operating costs-$618
Property taxes-$240
Insurance-$175
Utilities$0
HOA$0
Management-$203
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,505(67.8% ROI)
Projected value
$258,174
Return breakdown
Property appreciation+$18,434
Loan principal paid down+$6,871
Rental cash flow+$7,200
5-year hold
+$55,758(116.3% ROI)
Projected value
$271,245
Return breakdown
Property appreciation+$31,504
Loan principal paid down+$12,254
Rental cash flow+$12,000
10-year hold
+$120,346(251.0% ROI)
Projected value
$306,888
Return breakdown
Property appreciation+$67,148
Loan principal paid down+$29,198
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.01
1 BR
0.93
2 BR
0.97
3 BR
1.05
4 BR
1.07
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

El Dorado, CA fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in El Dorado, CA is $1,980 a month. That is down 9.6% from $2,190 in FY 2026. El Dorado is in the Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. The median county two-bedroom FMR in California is $1,725, so El Dorado is 15% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for El Dorado, CA
BedroomsFY 2027Change90–110% range
Studio$1,530−10.0%$1,377–$1,683
1BR$1,610−9.6%$1,449–$1,771
2BR$1,980−9.6%$1,782–$2,178
3BR$2,630−9.9%$2,367–$2,893
4BR$3,030−9.8%$2,727–$3,333

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for El Dorado, CA
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,530$1,610$1,980$2,630$3,030
FY 2026$1,700$1,780$2,190$2,920$3,360
FY 2025$1,790$1,890$2,350$3,190$3,680
FY 2024$1,610$1,740$2,160$3,010$3,460
FY 2023$1,270$1,390$1,740$2,470$2,880

Questions about El Dorado, CA rents

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

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,980, that basic range is $1,782 to $2,178 a month. 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 El Dorado, CA in?

El Dorado, CA is in the Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

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

The two-bedroom FMR fell 9.6%, from $2,190 in FY 2026 to $1,980 in FY 2027. Since FY 2023 it has risen 13.8%.

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