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CA/Alameda County/Union City

Union City, CA

CitySAFMR
Alameda County
Found 1 ZIP

City Median Investment Score

40Below average

095130300
BRFMR
Eff. Rent
0 BR$2,290$2,090
1 BR$2,510$2,340
2 BR$3,070$2,920
3 BR$3,930$3,860
4 BR$4,650$4,410
5 BR$5,348Not available
6 BR$6,150Not available
7 BR$7,072Not available
8 BR$8,133Not available

Purchase Price Calculator

Maximum purchase price
$371,994

Cost breakdown

+Likely effective rent$2,920
HUD FMR$3,070
Market rentUsed$2,920
Est. payment standard (97%)$2,970
-Principal and interest-$1,881
Loan amount$297,595
Down payment$74,399
Rate6.50%
Term30 years
-Operating costs-$839
Property taxes-$372
Insurance-$175
Utilities$0
HOA$0
Management-$292
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$46,465(62.5% ROI)
Projected value
$400,597
Return breakdown
Property appreciation+$28,603
Loan principal paid down+$10,662
Rental cash flow+$7,200
5-year hold
+$79,897(107.4% ROI)
Projected value
$420,877
Return breakdown
Property appreciation+$48,883
Loan principal paid down+$19,013
Rental cash flow+$12,000
10-year hold
+$173,495(233.2% ROI)
Projected value
$476,184
Return breakdown
Property appreciation+$104,190
Loan principal paid down+$45,306
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.10
1 BR
1.07
2 BR
1.05
3 BR
1.02
4 BR
1.05
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Union City, CA fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Union City, CA is $3,070 a month. That is down 5.0% from $3,230 in FY 2026. Union City 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 Union City is 78% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Union City, CA
BedroomsFY 2027Change90–110% range
Studio$2,290−3.8%$2,061–$2,519
1BR$2,510−4.9%$2,259–$2,761
2BR$3,070−5.0%$2,763–$3,377
3BR$3,930−4.8%$3,537–$4,323
4BR$4,650−5.1%$4,185–$5,115

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Union City, CA
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,290$2,510$3,070$3,930$4,650
FY 2026$2,380$2,640$3,230$4,130$4,900
FY 2025$2,070$2,350$2,860$3,660$4,350
FY 2024$1,990$2,320$2,820$3,640$4,300
FY 2023$1,830$2,170$2,650$3,460$4,080

Questions about Union City, CA rents

How much will Section 8 pay for a two-bedroom in Union City, 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 $3,070 it would be $2,763 to $3,377. 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 Union City, CA in?

Union City, 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 Union City, CA for FY 2027?

The two-bedroom FMR fell 5.0%, from $3,230 in FY 2026 to $3,070 in FY 2027. Since FY 2023 it has risen 15.8%.

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