90740
ZIPSAFMR
Orange County, CA
BRFMR
Eff. Rent
0 BR$2,730$2,420
1 BR$2,790$2,930
2 BR$3,290$3,620
3 BR$4,470$4,920
4 BR$5,330$5,860
5 BR$6,129
6 BR$7,049
7 BR$8,106
8 BR$9,322

Purchase Price Calculator

Maximum purchase price
$476,014

Cost breakdown

+Likely effective rent$3,620
HUD FMR$3,290
Market rent$4,400
Est. payment standard (110%)Used$3,620
Estimated payment standard is $3,620 (110% of FMR).
-Principal and interest-$2,407
Loan amount$380,811
Down payment$95,203
Rate6.50%
Term30 years
-Operating costs-$1,013
Property taxes-$476
Insurance-$175
Utilities$0
HOA$0
Management-$362
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$57,445(60.3% ROI)
Projected value
$512,615
Current value$476,014
Return breakdown
Property appreciation+$36,601
Loan principal paid down+$13,644
Rental cash flow+$7,200
5-year hold
+$98,882(103.9% ROI)
Projected value
$538,566
Current value$476,014
Return breakdown
Property appreciation+$62,552
Loan principal paid down+$24,330
Rental cash flow+$12,000
10-year hold
+$215,298(226.1% ROI)
Projected value
$609,338
Current value$476,014
Return breakdown
Property appreciation+$133,324
Loan principal paid down+$57,974
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
1.13ratio
FMR$2,730
Market$2,420
vs market+$310

FMR is above market; underwrite to market rent.

90% standard$2,457 / 1.02 ratio110% standard$3,003 / 1.24 ratio
1.13
1 BR
1 BR
0.93ratio
FMR$2,790
Market$3,000
vs market-$210

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

90% standard$2,511 / 0.84 ratio110% standard$3,069 / 1.02 ratio
0.93
2 BR
2 BR
0.75ratio
FMR$3,290
Market$4,400
vs market-$1,110

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

90% standard$2,961 / 0.67 ratio110% standard$3,619 / 0.82 ratio
0.75
3 BR
3 BR
0.85ratio
FMR$4,470
Market$5,230
vs market-$760

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

90% standard$4,023 / 0.77 ratio110% standard$4,917 / 0.94 ratio
0.85
4 BR
4 BR
0.68ratio
FMR$5,330
Market$7,810
vs market-$2,480

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

90% standard$4,797 / 0.61 ratio110% standard$5,863 / 0.75 ratio
0.68
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 90740 (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.

90740 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 90740 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,290 and the 4 bedroom fair market rent is $5,330.

Use this page for searches like 90740 FMR, 90740 fair market rent, and 90740 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 90740
Bedroom sizeHUD FMR
Studio$2,730
1 bedroom$2,790
2 bedroom$3,290
3 bedroom$4,470
4 bedroom$5,330