91381
ZIPSAFMR
Ventura County, CA
BRFMR
Eff. Rent
0 BR$2,590$2,160
1 BR$2,890$2,380
2 BR$3,610$2,970
3 BR$4,580$3,830
4 BR$5,100$4,780
5 BR$5,865
6 BR$6,745
7 BR$7,756
8 BR$8,920

Purchase Price Calculator

Maximum purchase price
$379,424

Cost breakdown

+Likely effective rent$2,970
HUD FMR$3,610
Market rentUsed$2,970
Est. payment standard (90%)$3,250
Market rent is below the inferred standard ($3,250, 90% of FMR).
-Principal and interest-$1,919
Loan amount$303,539
Down payment$75,885
Rate6.50%
Term30 years
-Operating costs-$851
Property taxes-$379
Insurance-$175
Utilities$0
HOA$0
Management-$297
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$47,249(62.3% ROI)
Projected value
$408,598
Current value$379,424
Return breakdown
Property appreciation+$29,174
Loan principal paid down+$10,875
Rental cash flow+$7,200
5-year hold
+$81,253(107.1% ROI)
Projected value
$429,284
Current value$379,424
Return breakdown
Property appreciation+$49,859
Loan principal paid down+$19,393
Rental cash flow+$12,000
10-year hold
+$176,481(232.6% ROI)
Projected value
$485,695
Current value$379,424
Return breakdown
Property appreciation+$106,271
Loan principal paid down+$46,210
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
1.20ratio
FMR$2,590
Market$2,160
vs market+$430

FMR is above market; underwrite to market rent.

90% standard$2,331 / 1.08 ratio110% standard$2,849 / 1.32 ratio
1.20
1 BR
1 BR
1.21ratio
FMR$2,890
Market$2,380
vs market+$510

FMR is above market; underwrite to market rent.

90% standard$2,601 / 1.09 ratio110% standard$3,179 / 1.34 ratio
1.21
2 BR
2 BR
1.22ratio
FMR$3,610
Market$2,970
vs market+$640

FMR is above market; underwrite to market rent.

90% standard$3,249 / 1.09 ratio110% standard$3,971 / 1.34 ratio
1.22
3 BR
3 BR
1.20ratio
FMR$4,580
Market$3,830
vs market+$750

FMR is above market; underwrite to market rent.

90% standard$4,122 / 1.08 ratio110% standard$5,038 / 1.32 ratio
1.20
4 BR
4 BR
1.07ratio
FMR$5,100
Market$4,780
vs market+$320

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

90% standard$4,590 / 0.96 ratio110% standard$5,610 / 1.17 ratio
1.07
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit sizes.

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 91381 (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.

91381 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 91381 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,610 and the 4 bedroom fair market rent is $5,100.

Use this page for searches like 91381 FMR, 91381 fair market rent, and 91381 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 91381
Bedroom sizeHUD FMR
Studio$2,590
1 bedroom$2,890
2 bedroom$3,610
3 bedroom$4,580
4 bedroom$5,100