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Lafayette, CA

CitySAFMR
Contra Costa County
Found 1 ZIP

City Median Investment Score

35Below average

095130300
BRFMR
Eff. Rent
0 BR$2,720$2,160
1 BR$2,980$2,620
2 BR$3,650$3,230
3 BR$4,670$5,020
4 BR$5,530$5,910
5 BR$6,359Not available
6 BR$7,313Not available
7 BR$8,410Not available
8 BR$9,672Not available

Purchase Price Calculator

Maximum purchase price
$418,060

Cost breakdown

+Likely effective rent$3,230
HUD FMR$3,650
Market rentUsed$3,230
Est. payment standard (93%)$3,380
-Principal and interest-$2,114
Loan amount$334,448
Down payment$83,612
Rate6.50%
Term30 years
-Operating costs-$916
Property taxes-$418
Insurance-$175
Utilities$0
HOA$0
Management-$323
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$51,327(61.4% ROI)
Projected value
$450,205
Return breakdown
Property appreciation+$32,145
Loan principal paid down+$11,982
Rental cash flow+$7,200
5-year hold
+$88,305(105.6% ROI)
Projected value
$472,997
Return breakdown
Property appreciation+$54,937
Loan principal paid down+$21,368
Rental cash flow+$12,000
10-year hold
+$192,008(229.6% ROI)
Projected value
$535,152
Return breakdown
Property appreciation+$117,092
Loan principal paid down+$50,916
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.26
1 BR
1.14
2 BR
1.13
3 BR
0.90
4 BR
0.91
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Lafayette, CA fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Lafayette, CA is $3,650 a month. That is down 6.9% from $3,920 in FY 2026. Lafayette is in the Oakland-Fremont, CA HUD Metro 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 metro-wide two-bedroom FMR of $2,805. The median county two-bedroom FMR in California is $1,725, so Lafayette is 112% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Lafayette, CA
BedroomsFY 2027Change90–110% range
Studio$2,720−5.6%$2,448–$2,992
1BR$2,980−7.2%$2,682–$3,278
2BR$3,650−6.9%$3,285–$4,015
3BR$4,670−6.8%$4,203–$5,137
4BR$5,530−6.9%$4,977–$6,083

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Lafayette, CA
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,720$2,980$3,650$4,670$5,530
FY 2026$2,880$3,210$3,920$5,010$5,940
FY 2025$2,530$2,880$3,510$4,490$5,340
FY 2024$2,320$2,710$3,290$4,250$5,020
FY 2023$2,010$2,380$2,910$3,800$4,480

Questions about Lafayette, CA rents

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

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,805, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,525 to $3,086 a month; under the ZIP-level Small Area FMR of $3,650 it would be $3,285 to $4,015. 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 Lafayette, CA in?

Lafayette, CA is in the Oakland-Fremont, CA HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,805.

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

The two-bedroom FMR fell 6.9%, from $3,920 in FY 2026 to $3,650 in FY 2027. Since FY 2023 it has risen 25.4%.

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