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San Diego County/Carlsbad/92009

92009

ZIPSAFMR
San Diego County, CA
Zillow

ZIP Investment Score

69Below average

095130300
BRFMR
Eff. Rent
0 BR$2,850$2,740
1 BR$3,040$2,950
2 BR$3,670$3,370
3 BR$4,870$5,360
4 BR$5,880$5,640
5 BR$6,762Not available
6 BR$7,776Not available
7 BR$8,943Not available
8 BR$10,284Not available

Purchase Price Calculator

Maximum purchase price
$438,864

Cost breakdown

+Likely effective rent$3,370
HUD FMR$3,670
Market rentUsed$3,370
Est. payment standard (95%)$3,480
-Principal and interest-$2,219
Loan amount$351,091
Down payment$87,773
Rate6.50%
Term30 years
-Operating costs-$951
Property taxes-$439
Insurance-$175
Utilities$0
HOA$0
Management-$337
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$53,523(61.0% ROI)
Projected value
$472,609
Return breakdown
Property appreciation+$33,745
Loan principal paid down+$12,579
Rental cash flow+$7,200
5-year hold
+$92,102(104.9% ROI)
Projected value
$496,534
Return breakdown
Property appreciation+$57,670
Loan principal paid down+$22,431
Rental cash flow+$12,000
10-year hold
+$200,369(228.3% ROI)
Projected value
$561,783
Return breakdown
Property appreciation+$122,919
Loan principal paid down+$53,450
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.04
1 BR
1.03
2 BR
1.09
3 BR
0.86
4 BR
1.04
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 92009 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 92009 (Carlsbad, CA) is $3,670 a month. That is down 7.6% from $3,970 in FY 2026. Carlsbad 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, 92009 has the 20th-highest two-bedroom rent (county range $1,750–$4,230). The median county two-bedroom FMR in California is $1,725, so ZIP 92009 is 113% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 92009
BedroomsFY 2027Change90–110% range
Studio$2,850−5.9%$2,565–$3,135
1BR$3,040−6.5%$2,736–$3,344
2BR$3,670−7.6%$3,303–$4,037
3BR$4,870−7.9%$4,383–$5,357
4BR$5,880−8.3%$5,292–$6,468

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 92009
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,850$3,040$3,670$4,870$5,880
FY 2026$3,030$3,250$3,970$5,290$6,410
FY 2025$2,810$3,060$3,780$5,050$6,150
FY 2024$2,680$2,920$3,680$4,960$6,020
FY 2023$2,190$2,410$3,070$4,200$5,100

Two-bedroom rent in nearby San Diego County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 92009
92003$2,760−24.8%
92004$1,750−52.3%
92007$3,760+2.5%
92008$3,250−11.4%
92009Current$3,670—
92010$3,650−0.5%
92011$4,050+10.4%
92013$2,820−23.2%
92014$4,170+13.6%
92018$2,820−23.2%
92019$2,840−22.6%
92020$2,510−31.6%

Questions about ZIP 92009 rents

How much will Section 8 pay for a two-bedroom in ZIP 92009?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $3,670, that basic range is $3,303 to $4,037 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 92009 in?

ZIP 92009 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 92009 for FY 2027?

The two-bedroom FMR fell 7.6%, from $3,970 in FY 2026 to $3,670 in FY 2027. Since FY 2023 it has risen 19.5%.

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

County fair market rentCarlsbad, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources