CA/San Mateo County/MOSS BEACH
MOSS BEACH, CA
CitySAFMR
San Mateo County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$2,190$2,410
1 BR$2,620$2,880
2 BR$3,170$3,490
3 BR$4,050$4,460
4 BR$4,200$4,620
5 BR$4,830
6 BR$5,554
7 BR$6,388
8 BR$7,346

Purchase Price Calculator

Maximum purchase price
$456,696

Cost breakdown

+Likely effective rent$3,490
HUD FMR$3,170
Market rent$4,170
Est. payment standard (110%)Used$3,490
Estimated payment standard is $3,490 (110% of FMR).
-Principal and interest-$2,309
Loan amount$365,357
Down payment$91,339
Rate6.50%
Term30 years
-Operating costs-$981
Property taxes-$457
Insurance-$175
Utilities$0
HOA$0
Management-$349
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$55,405(60.7% ROI)
Projected value
$491,812
Current value$456,696
Return breakdown
Property appreciation+$35,116
Loan principal paid down+$13,090
Rental cash flow+$7,200
5-year hold
+$95,356(104.4% ROI)
Projected value
$516,710
Current value$456,696
Return breakdown
Property appreciation+$60,014
Loan principal paid down+$23,343
Rental cash flow+$12,000
10-year hold
+$207,535(227.2% ROI)
Projected value
$584,610
Current value$456,696
Return breakdown
Property appreciation+$127,914
Loan principal paid down+$55,621
Rental cash flow+$24,000

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Market Alignment

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

Studio
Studio- 94038
0.68ratio
FMR$2,190
Market$3,240
vs market-$1,050

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

90% standard$1,971 / 0.61 ratio110% standard$2,409 / 0.74 ratio
0.68
1 BR
1 BR- 94038
0.76ratio
FMR$2,620
Market$3,460
vs market-$840

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

90% standard$2,358 / 0.68 ratio110% standard$2,882 / 0.83 ratio
0.76
2 BR
2 BR- 94038
0.76ratio
FMR$3,170
Market$4,170
vs market-$1,000

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

90% standard$2,853 / 0.68 ratio110% standard$3,487 / 0.84 ratio
0.76
3 BR
3 BR- 94038
0.81ratio
FMR$4,050
Market$4,990
vs market-$940

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

90% standard$3,645 / 0.73 ratio110% standard$4,455 / 0.89 ratio
0.81
4 BR
4 BR- 94038
0.76ratio
FMR$4,200
Market$5,510
vs market-$1,310

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

90% standard$3,780 / 0.69 ratio110% standard$4,620 / 0.84 ratio
0.76
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom sizes.

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 MOSS BEACH, 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.

Related ZIPs

MOSS BEACH, CA fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for MOSS BEACH, CA shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,170 and the 4 bedroom fair market rent is $4,200.

Use this page for searches like MOSS BEACH, CA FMR, MOSS BEACH, CA fair market rent, and MOSS BEACH, CA Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for MOSS BEACH, CA
Bedroom sizeHUD FMR
Studio$2,190
1 bedroom$2,620
2 bedroom$3,170
3 bedroom$4,050
4 bedroom$4,200