EL TORO, CA
CitySAFMR
Orange County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$2,690$2,690
1 BR$2,750$2,750
2 BR$3,240$3,240
3 BR$4,400$4,400
4 BR$5,250$5,250
5 BR$6,037
6 BR$6,943
7 BR$7,985
8 BR$9,182

Market Alignment

How HUD fair market rents align with the state of the rental market.

Studio
Studio· 92609
0.97ratio
FMR$2,690
Market$2,780
vs market-$90

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

0.97
1 BR
1 BR· 92609
0.85ratio
FMR$2,750
Market$3,240
vs market-$490

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.85
2 BR
2 BR· 92609
0.72ratio
FMR$3,240
Market$4,470
vs market-$1,230

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.72
3 BR
3 BR· 92609
0.74ratio
FMR$4,400
Market$5,950
vs market-$1,550

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.74
4 BR
4 BR· 92609
0.65ratio
FMR$5,250
Market$8,030
vs market-$2,780

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.65
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit sizes.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$419,546
Rent
$3,240
Down payment
$83,909
Loan
$335,637
Mortgage
$2,121
Expenses
$919
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for EL TORO, CA (CA) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

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