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CA/Lake County/MIDDLETOWN

MIDDLETOWN, CA

CitySAFMR
Lake County
Found 1 ZIP
Zillow
BRFMR
Eff. Rent
0 BR$1,760▲$1,930
1 BR$1,920▲$1,980
2 BR$2,520▲$2,120
3 BR$3,370▲$2,340
4 BR$3,890▲$2,430
5 BR$4,474▲—
6 BR$5,145▲—
7 BR$5,916▲—
8 BR$6,804▲—

Purchase Price Calculator

Maximum purchase price
$253,115

Cost breakdown

+Likely effective rent$2,120
HUD FMR$2,520
Market rentUsed$2,120
Est. payment standard (90%)$2,270
Market rent is below the inferred standard ($2,270, 90% of FMR).
-Principal and interest-$1,280
Loan amount$202,492
Down payment$50,623
Rate6.50%
Term30 years
-Operating costs-$640
Property taxes-$253
Insurance-$175
Utilities$0
HOA$0
Management-$212
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$33,917(67.0% ROI)
Projected value
$272,577
Current value$253,115
Return breakdown
Property appreciation+$19,462
Loan principal paid down+$7,255
Rental cash flow+$7,200
5-year hold
+$58,199(115.0% ROI)
Projected value
$286,376
Current value$253,115
Return breakdown
Property appreciation+$33,261
Loan principal paid down+$12,937
Rental cash flow+$12,000
10-year hold
+$125,721(248.3% ROI)
Projected value
$324,008
Current value$253,115
Return breakdown
Property appreciation+$70,893
Loan principal paid down+$30,827
Rental cash flow+$24,000

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio- 95461
0.87ratio
FMR$1,760
Market$2,020
vs market-$260

FMR is below market; voucher rent may lag private rents.

90% standard$1,584 / 0.78 ratio110% standard$1,936 / 0.96 ratio
0.87
1 BR
1 BR- 95461
0.95ratio
FMR$1,920
Market$2,020
vs market-$100

FMR is near market; voucher and private rents are aligned.

90% standard$1,728 / 0.86 ratio110% standard$2,112 / 1.05 ratio
0.95
2 BR
2 BR- 95461
1.19ratio
FMR$2,520
Market$2,120
vs market+$400

FMR is above market; underwrite to market rent.

90% standard$2,268 / 1.07 ratio110% standard$2,772 / 1.31 ratio
1.19
3 BR
3 BR- 95461
1.44ratio
FMR$3,370
Market$2,340
vs market+$1,030

FMR is above market; underwrite to market rent.

90% standard$3,033 / 1.30 ratio110% standard$3,707 / 1.58 ratio
1.44
4 BR
4 BR- 95461
1.60ratio
FMR$3,890
Market$2,430
vs market+$1,460

FMR is above market; underwrite to market rent.

1.60
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for MIDDLETOWN, 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.

What is FMR?What is SAFMR?Data sourcesIncomplete geosView county page
Related ZIPs
95461

MIDDLETOWN, CA fair market rent benchmarks

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for MIDDLETOWN, CA shows monthly rent benchmarks by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,520 and the 4 bedroom fair market rent is $3,890.

Use these values to compare bedroom-size rent benchmarks and screen a property's rent assumptions. Local housing authorities set voucher payment standards, which may be above or below published HUD FMR, so confirm the applicable authority and current schedule before underwriting a property. Read the FMR and payment-standard guide for the full verification workflow.

FY 2026 Fair Market Rent by bedroom size for MIDDLETOWN, CA
Bedroom sizeHUD FMR
Studio$1,760
1 bedroom$1,920
2 bedroom$2,520
3 bedroom$3,370
4 bedroom$3,890
Lake County fair market rent95461 FMR