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91980

ZIPSAFMR
San Diego County, CA
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$2,190$2,190
1 BR$2,330$2,330
2 BR$2,820$2,820
3 BR$3,740$3,740
4 BR$4,520$4,520
5 BR$5,198Not available
6 BR$5,978Not available
7 BR$6,874Not available
8 BR$7,906Not available

Purchase Price Calculator

Maximum purchase price
$357,134

Cost breakdown

+Likely effective rent$2,820
HUD FMRUsed$2,820
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,806
Loan amount$285,707
Down payment$71,427
Rate6.50%
Term30 years
-Operating costs-$814
Property taxes-$357
Insurance-$175
Utilities$0
HOA$0
Management-$282
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$44,896(62.9% ROI)
Projected value
$384,595
Return breakdown
Property appreciation+$27,460
Loan principal paid down+$10,236
Rental cash flow+$7,200
5-year hold
+$77,184(108.1% ROI)
Projected value
$404,065
Return breakdown
Property appreciation+$46,930
Loan principal paid down+$18,254
Rental cash flow+$12,000
10-year hold
+$167,524(234.5% ROI)
Projected value
$457,162
Return breakdown
Property appreciation+$100,028
Loan principal paid down+$43,496
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
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Mortgage rate
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ZIP 91980 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 91980 (Tecate, CA) is $2,820 a month. That is down 6.0% from $3,000 in FY 2026. Tecate is in the San Diego-Chula Vista-Carlsbad, CA MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 174 ZIP codes in San Diego County, 91980 is tied for the 58th-highest two-bedroom rent (county range $1,750–$4,230). The median county two-bedroom FMR in California is $1,725, so ZIP 91980 is 63% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 91980
BedroomsFY 2027Change90–110% range
Studio$2,190−4.4%$1,971–$2,409
1BR$2,330−5.3%$2,097–$2,563
2BR$2,820−6.0%$2,538–$3,102
3BR$3,740−6.5%$3,366–$4,114
4BR$4,520−6.6%$4,068–$4,972

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 91980
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,190$2,330$2,820$3,740$4,520
FY 2026$2,290$2,460$3,000$4,000$4,840
FY 2025$2,140$2,330$2,880$3,850$4,690
FY 2024$2,060$2,250$2,830$3,820$4,630
FY 2023$1,710$1,890$2,400$3,280$3,990

Two-bedroom rent in nearby San Diego County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 91980
91951$2,8200.0%
91962$3,290+16.7%
91963$2,8200.0%
91976$2,8200.0%
91977$2,420−14.2%
91978$2,940+4.3%
91979$2,8200.0%
91980Current$2,820—
92003$2,760−2.1%
92004$1,750−37.9%
92007$3,760+33.3%
92008$3,250+15.2%

Questions about ZIP 91980 rents

How much will Section 8 pay for a two-bedroom in ZIP 91980?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,820, that basic range is $2,538 to $3,102 a month. 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 91980 in?

ZIP 91980 is in the San Diego-Chula Vista-Carlsbad, CA MSA. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 91980 for FY 2027?

The two-bedroom FMR fell 6.0%, from $3,000 in FY 2026 to $2,820 in FY 2027. Since FY 2023 it has risen 17.5%.

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