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Orange County/Seal Beach/90740

90740

ZIPSAFMR
Orange County, CA
Zillow

ZIP Investment Score

35Below average

095130300
BRFMR
Eff. Rent
0 BR$2,660$2,420
1 BR$2,690$2,890
2 BR$3,150$3,470
3 BR$4,280$4,710
4 BR$5,110$5,620
5 BR$5,877Not available
6 BR$6,758Not available
7 BR$7,772Not available
8 BR$8,937Not available

Purchase Price Calculator

Maximum purchase price
$453,724

Cost breakdown

+Likely effective rent$3,470
HUD FMR$3,150
Market rent$4,400
Est. payment standard (110%)Used$3,470
-Principal and interest-$2,294
Loan amount$362,979
Down payment$90,745
Rate6.50%
Term30 years
-Operating costs-$976
Property taxes-$454
Insurance-$175
Utilities$0
HOA$0
Management-$347
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$55,092(60.7% ROI)
Projected value
$488,611
Return breakdown
Property appreciation+$34,887
Loan principal paid down+$13,005
Rental cash flow+$7,200
5-year hold
+$94,814(104.5% ROI)
Projected value
$513,347
Return breakdown
Property appreciation+$59,623
Loan principal paid down+$23,191
Rental cash flow+$12,000
10-year hold
+$206,341(227.4% ROI)
Projected value
$580,805
Return breakdown
Property appreciation+$127,081
Loan principal paid down+$55,260
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.10
1 BR
0.90
2 BR
0.72
3 BR
0.82
4 BR
0.65
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 90740 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 90740 (Seal Beach, CA) is $3,150 a month. That is down 4.3% from $3,290 in FY 2026. Seal Beach 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, 90740 has the 47th-highest two-bedroom rent (county range $2,690–$4,590). The median county two-bedroom FMR in California is $1,725, so ZIP 90740 is 83% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 90740
BedroomsFY 2027Change90–110% range
Studio$2,660−2.6%$2,394–$2,926
1BR$2,690−3.6%$2,421–$2,959
2BR$3,150−4.3%$2,835–$3,465
3BR$4,280−4.3%$3,852–$4,708
4BR$5,110−4.1%$4,599–$5,621

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 90740
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,660$2,690$3,150$4,280$5,110
FY 2026$2,730$2,790$3,290$4,470$5,330
FY 2025$2,370$2,480$2,930$3,960$4,740
FY 2024$2,310$2,460$2,920$3,950$4,690
FY 2023$2,090$2,280$2,740$3,720$4,350

Two-bedroom rent in nearby Orange County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 90740
90623$2,790−11.4%
90624$3,060−2.9%
90630$3,100−1.6%
90631$2,690−14.6%
90632$3,060−2.9%
90633$3,060−2.9%
90680$2,920−7.3%
90720$3,070−2.5%
90721$3,060−2.9%
90740Current$3,150—
90742$3,190+1.3%
90743$3,070−2.5%

Questions about ZIP 90740 rents

How much will Section 8 pay for a two-bedroom in ZIP 90740?

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 $3,150 it would be $2,835 to $3,465. 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 90740 in?

ZIP 90740 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 90740 for FY 2027?

The two-bedroom FMR fell 4.3%, from $3,290 in FY 2026 to $3,150 in FY 2027. Since FY 2023 it has risen 15.0%.

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 rentSeal Beach, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources