92011
ZIPSAFMR
San Diego County, CA
BRFMR
Eff. Rent
0 BR$3,260$2,650
1 BR$3,510$3,340
2 BR$4,280$4,350
3 BR$5,700$5,120
4 BR$6,910$6,370
5 BR$7,946
6 BR$9,138
7 BR$10,509
8 BR$12,086

Purchase Price Calculator

Maximum purchase price
$584,492

Cost breakdown

+Likely effective rent$4,350
HUD FMR$4,280
Market rent$4,390
Est. payment standard (102%)Used$4,350
Estimated payment standard is $4,350 (102% of FMR).
-Principal and interest-$2,956
Loan amount$467,593
Down payment$116,898
Rate6.50%
Term30 years
-Operating costs-$1,194
Property taxes-$584
Insurance-$175
Utilities$0
HOA$0
Management-$435
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$68,895(58.9% ROI)
Projected value
$629,434
Current value$584,492
Return breakdown
Property appreciation+$44,942
Loan principal paid down+$16,753
Rental cash flow+$7,200
5-year hold
+$118,682(101.5% ROI)
Projected value
$661,299
Current value$584,492
Return breakdown
Property appreciation+$76,807
Loan principal paid down+$29,875
Rental cash flow+$12,000
10-year hold
+$258,893(221.5% ROI)
Projected value
$748,199
Current value$584,492
Return breakdown
Property appreciation+$163,707
Loan principal paid down+$71,186
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
1.23ratio
FMR$3,260
Market$2,650
vs market+$610

FMR is above market; underwrite to market rent.

90% standard$2,934 / 1.11 ratio110% standard$3,586 / 1.35 ratio
1.23
1 BR
1 BR
1.05ratio
FMR$3,510
Market$3,340
vs market+$170

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

90% standard$3,159 / 0.95 ratio110% standard$3,861 / 1.16 ratio
1.05
2 BR
2 BR
0.97ratio
FMR$4,280
Market$4,390
vs market-$110

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

90% standard$3,852 / 0.88 ratio110% standard$4,708 / 1.07 ratio
0.97
3 BR
3 BR
1.11ratio
FMR$5,700
Market$5,120
vs market+$580

FMR is above market; underwrite to market rent.

90% standard$5,130 / 1.00 ratio110% standard$6,270 / 1.22 ratio
1.11
4 BR
4 BR
1.08ratio
FMR$6,910
Market$6,370
vs market+$540

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

90% standard$6,219 / 0.98 ratio110% standard$7,601 / 1.19 ratio
1.08
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 92011 (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.

92011 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92011 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $4,280 and the 4 bedroom fair market rent is $6,910.

Use this page for searches like 92011 FMR, 92011 fair market rent, and 92011 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 92011
Bedroom sizeHUD FMR
Studio$3,260
1 bedroom$3,510
2 bedroom$4,280
3 bedroom$5,700
4 bedroom$6,910