SANTA YNEZ, CA
CitySAFMR
Santa Barbara County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$3,280$2,670
1 BR$3,670$2,780
2 BR$4,170$3,740
3 BR$5,440$5,370
4 BR$6,200$6,710
5 BR$7,130
6 BR$8,199
7 BR$9,429
8 BR$10,844

Purchase Price Calculator

Maximum purchase price
$493,846

Cost breakdown

+Likely effective rent$3,740
HUD FMR$4,170
Market rentUsed$3,740
Est. payment standard (93%)$3,890
Market rent is below the inferred standard ($3,890, 93% of FMR).
-Principal and interest-$2,497
Loan amount$395,077
Down payment$98,769
Rate6.50%
Term30 years
-Operating costs-$1,043
Property taxes-$494
Insurance-$175
Utilities$0
HOA$0
Management-$374
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$59,327(60.1% ROI)
Projected value
$531,818
Current value$493,846
Return breakdown
Property appreciation+$37,972
Loan principal paid down+$14,155
Rental cash flow+$7,200
5-year hold
+$102,137(103.4% ROI)
Projected value
$558,741
Current value$493,846
Return breakdown
Property appreciation+$64,895
Loan principal paid down+$25,242
Rental cash flow+$12,000
10-year hold
+$222,465(225.2% ROI)
Projected value
$632,165
Current value$493,846
Return breakdown
Property appreciation+$138,319
Loan principal paid down+$60,146
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- 93460
1.23ratio
FMR$3,280
Market$2,670
vs market+$610

FMR is above market; underwrite to market rent.

90% standard$2,952 / 1.11 ratio110% standard$3,608 / 1.35 ratio
1.23
1 BR
1 BR- 93460
1.32ratio
FMR$3,670
Market$2,780
vs market+$890

FMR is above market; underwrite to market rent.

90% standard$3,303 / 1.19 ratio110% standard$4,037 / 1.45 ratio
1.32
2 BR
2 BR- 93460
1.11ratio
FMR$4,170
Market$3,740
vs market+$430

FMR is above market; underwrite to market rent.

90% standard$3,753 / 1.00 ratio110% standard$4,587 / 1.23 ratio
1.11
3 BR
3 BR- 93460
1.01ratio
FMR$5,440
Market$5,370
vs market+$70

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

90% standard$4,896 / 0.91 ratio110% standard$5,984 / 1.11 ratio
1.01
4 BR
4 BR- 93460
0.89ratio
FMR$6,200
Market$6,990
vs market-$790

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

90% standard$5,580 / 0.80 ratio110% standard$6,820 / 0.98 ratio
0.89
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 SANTA YNEZ, 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

SANTA YNEZ, CA fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for SANTA YNEZ, CA shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $4,170 and the 4 bedroom fair market rent is $6,200.

Use this page for searches like SANTA YNEZ, CA FMR, SANTA YNEZ, CA fair market rent, and SANTA YNEZ, 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 SANTA YNEZ, CA
Bedroom sizeHUD FMR
Studio$3,280
1 bedroom$3,670
2 bedroom$4,170
3 bedroom$5,440
4 bedroom$6,200