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San Diego County/Cardiff By the Sea/92007

92007

ZIPSAFMR
San Diego County, CA
Zillow

ZIP Investment Score

48Below average

095130300
BRFMR
Eff. Rent
0 BR$2,920$2,670
1 BR$3,110$3,350
2 BR$3,760$4,140
3 BR$4,990$5,490
4 BR$6,030$6,630
5 BR$6,934Not available
6 BR$7,975Not available
7 BR$9,171Not available
8 BR$10,547Not available

Purchase Price Calculator

Maximum purchase price
$553,286

Cost breakdown

+Likely effective rent$4,140
HUD FMR$3,760
Market rent$4,770
Est. payment standard (110%)Used$4,140
-Principal and interest-$2,798
Loan amount$442,629
Down payment$110,657
Rate6.50%
Term30 years
-Operating costs-$1,142
Property taxes-$553
Insurance-$175
Utilities$0
HOA$0
Management-$414
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$65,601(59.3% ROI)
Projected value
$595,828
Return breakdown
Property appreciation+$42,542
Loan principal paid down+$15,858
Rental cash flow+$7,200
5-year hold
+$112,986(102.1% ROI)
Projected value
$625,992
Return breakdown
Property appreciation+$72,706
Loan principal paid down+$28,280
Rental cash flow+$12,000
10-year hold
+$246,352(222.6% ROI)
Projected value
$708,253
Return breakdown
Property appreciation+$154,967
Loan principal paid down+$67,385
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.09
1 BR
0.89
2 BR
0.79
3 BR
0.80
4 BR
0.71
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 92007 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 92007 (Cardiff By the Sea, CA) is $3,760 a month. That is down 1.8% from $3,830 in FY 2026. Cardiff By the Sea 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, 92007 has the 16th-highest two-bedroom rent (county range $1,750–$4,230). The median county two-bedroom FMR in California is $1,725, so ZIP 92007 is 118% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 92007
BedroomsFY 2027Change90–110% range
Studio$2,9200.0%$2,628–$3,212
1BR$3,110−1.0%$2,799–$3,421
2BR$3,760−1.8%$3,384–$4,136
3BR$4,990−2.2%$4,491–$5,489
4BR$6,030−2.4%$5,427–$6,633

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 92007
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,920$3,110$3,760$4,990$6,030
FY 2026$2,920$3,140$3,830$5,100$6,180
FY 2025$2,700$2,930$3,630$4,850$5,910
FY 2024$2,580$2,820$3,550$4,790$5,810
FY 2023$2,140$2,360$3,000$4,100$4,990

Two-bedroom rent in nearby San Diego County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 92007
92003$2,760−26.6%
92004$1,750−53.5%
92007Current$3,760—
92008$3,250−13.6%
92009$3,670−2.4%
92010$3,650−2.9%
92011$4,050+7.7%
92013$2,820−25.0%
92014$4,170+10.9%
92018$2,820−25.0%
92019$2,840−24.5%
92020$2,510−33.2%

Questions about ZIP 92007 rents

How much will Section 8 pay for a two-bedroom in ZIP 92007?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $3,760, that basic range is $3,384 to $4,136 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 92007 in?

ZIP 92007 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 92007 for FY 2027?

The two-bedroom FMR fell 1.8%, from $3,830 in FY 2026 to $3,760 in FY 2027. Since FY 2023 it has risen 25.3%.

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 rentCardiff By the Sea, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources