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Orange County/Cypress/90630

90630

ZIPSAFMR
Orange County, CA
Zillow

ZIP Investment Score

49Below average

095130300
BRFMR
Eff. Rent
0 BR$2,620$2,450
1 BR$2,650$2,340
2 BR$3,100$3,130
3 BR$4,210$3,830
4 BR$5,030$5,100
5 BR$5,785Not available
6 BR$6,652Not available
7 BR$7,650Not available
8 BR$8,798Not available

Purchase Price Calculator

Maximum purchase price
$403,200

Cost breakdown

+Likely effective rent$3,130
HUD FMR$3,100
Market rent$3,150
Est. payment standard (101%)Used$3,130
-Principal and interest-$2,039
Loan amount$322,560
Down payment$80,640
Rate6.50%
Term30 years
-Operating costs-$891
Property taxes-$403
Insurance-$175
Utilities$0
HOA$0
Management-$313
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$49,759(61.7% ROI)
Projected value
$434,203
Return breakdown
Property appreciation+$31,002
Loan principal paid down+$11,557
Rental cash flow+$7,200
5-year hold
+$85,592(106.1% ROI)
Projected value
$456,184
Return breakdown
Property appreciation+$52,984
Loan principal paid down+$20,608
Rental cash flow+$12,000
10-year hold
+$186,036(230.7% ROI)
Projected value
$516,130
Return breakdown
Property appreciation+$112,930
Loan principal paid down+$49,106
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.07
1 BR
1.13
2 BR
0.98
3 BR
1.10
4 BR
0.98
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 90630 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 90630 (Cypress, CA) is $3,100 a month. That is down 2.2% from $3,170 in FY 2026. Cypress is in the Santa Ana-Anaheim-Irvine, 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 $3,057. Among 143 ZIP codes in Orange County, 90630 has the 49th-highest two-bedroom rent (county range $2,690–$4,590). The median county two-bedroom FMR in California is $1,725, so ZIP 90630 is 80% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 90630
BedroomsFY 2027Change90–110% range
Studio$2,620−0.4%$2,358–$2,882
1BR$2,650−1.5%$2,385–$2,915
2BR$3,100−2.2%$2,790–$3,410
3BR$4,210−2.1%$3,789–$4,631
4BR$5,030−2.1%$4,527–$5,533

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 90630
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,620$2,650$3,100$4,210$5,030
FY 2026$2,630$2,690$3,170$4,300$5,140
FY 2025$2,210$2,310$2,730$3,690$4,410
FY 2024$2,080$2,210$2,630$3,560$4,220
FY 2023$1,860$2,030$2,440$3,310$3,870

Two-bedroom rent in nearby Orange County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 90630
90620$2,970−4.2%
90621$2,920−5.8%
90622$3,060−1.3%
90623$2,790−10.0%
90624$3,060−1.3%
90630Current$3,100—
90631$2,690−13.2%
90632$3,060−1.3%
90633$3,060−1.3%
90680$2,920−5.8%
90720$3,070−1.0%
90721$3,060−1.3%

Questions about ZIP 90630 rents

How much will Section 8 pay for a two-bedroom in ZIP 90630?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $3,057, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,751 to $3,363 a month; under the ZIP-level Small Area FMR of $3,100 it would be $2,790 to $3,410. 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 ZIP 90630 in?

ZIP 90630 is in the Santa Ana-Anaheim-Irvine, CA HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $3,057.

How much did fair market rent change in ZIP 90630 for FY 2027?

The two-bedroom FMR fell 2.2%, from $3,170 in FY 2026 to $3,100 in FY 2027. Since FY 2023 it has risen 27.0%.

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

County fair market rentCypress, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources