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Orange County/La Habra/90631

90631

ZIPSAFMR
Orange County, CA
Zillow

ZIP Investment Score

52Below average

095130300
BRFMR
Eff. Rent
0 BR$2,230$2,220
1 BR$2,280$2,380
2 BR$2,690$2,740
3 BR$3,620$3,800
4 BR$4,300$4,450
5 BR$4,945Not available
6 BR$5,687Not available
7 BR$6,540Not available
8 BR$7,521Not available

Purchase Price Calculator

Maximum purchase price
$345,246

Cost breakdown

+Likely effective rent$2,740
HUD FMR$2,690
Market rent$2,760
Est. payment standard (102%)Used$2,740
-Principal and interest-$1,746
Loan amount$276,197
Down payment$69,049
Rate6.50%
Term30 years
-Operating costs-$794
Property taxes-$345
Insurance-$175
Utilities$0
HOA$0
Management-$274
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$43,642(63.2% ROI)
Projected value
$371,793
Return breakdown
Property appreciation+$26,546
Loan principal paid down+$9,895
Rental cash flow+$7,200
5-year hold
+$75,015(108.6% ROI)
Projected value
$390,615
Return breakdown
Property appreciation+$45,368
Loan principal paid down+$17,646
Rental cash flow+$12,000
10-year hold
+$162,746(235.7% ROI)
Projected value
$441,945
Return breakdown
Property appreciation+$96,698
Loan principal paid down+$42,048
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.00
1 BR
0.94
2 BR
0.97
3 BR
0.93
4 BR
0.95
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 90631 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 90631 (La Habra, CA) is $2,690 a month. That is down 2.5% from $2,760 in FY 2026. La Habra 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, 90631 has the 143rd-highest two-bedroom rent (county range $2,690–$4,590). The median county two-bedroom FMR in California is $1,725, so ZIP 90631 is 56% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 90631
BedroomsFY 2027Change90–110% range
Studio$2,230−1.3%$2,007–$2,453
1BR$2,280−2.1%$2,052–$2,508
2BR$2,690−2.5%$2,421–$2,959
3BR$3,620−2.9%$3,258–$3,982
4BR$4,300−2.7%$3,870–$4,730

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 90631
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,230$2,280$2,690$3,620$4,300
FY 2026$2,260$2,330$2,760$3,730$4,420
FY 2025$1,980$2,110$2,510$3,400$4,030
FY 2024$1,840$1,970$2,350$3,170$3,730
FY 2023$1,660$1,810$2,190$2,960$3,440

Two-bedroom rent in nearby Orange County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 90631
90620$2,970+10.4%
90621$2,920+8.6%
90622$3,060+13.8%
90623$2,790+3.7%
90624$3,060+13.8%
90630$3,100+15.2%
90631Current$2,690—
90632$3,060+13.8%
90633$3,060+13.8%
90680$2,920+8.6%
90720$3,070+14.1%
90721$3,060+13.8%

Questions about ZIP 90631 rents

How much will Section 8 pay for a two-bedroom in ZIP 90631?

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 $2,690 it would be $2,421 to $2,959. 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 90631 in?

ZIP 90631 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 90631 for FY 2027?

The two-bedroom FMR fell 2.5%, from $2,760 in FY 2026 to $2,690 in FY 2027. Since FY 2023 it has risen 22.8%.

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

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