92029
ZIPSAFMR
San Diego County, CA
BRFMR
Eff. Rent
0 BR$2,550$2,310
1 BR$2,740$2,840
2 BR$3,340$3,420
3 BR$4,450$3,860
4 BR$5,390$4,840
5 BR$6,198
6 BR$7,128
7 BR$8,198
8 BR$9,427

Purchase Price Calculator

Maximum purchase price
$446,294

Cost breakdown

+Likely effective rent$3,420
HUD FMR$3,340
Market rent$3,470
Est. payment standard (103%)Used$3,420
Estimated payment standard is $3,420 (103% of FMR).
-Principal and interest-$2,257
Loan amount$357,035
Down payment$89,259
Rate6.50%
Term30 years
-Operating costs-$963
Property taxes-$446
Insurance-$175
Utilities$0
HOA$0
Management-$342
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$54,308(60.8% ROI)
Projected value
$480,610
Current value$446,294
Return breakdown
Property appreciation+$34,316
Loan principal paid down+$12,792
Rental cash flow+$7,200
5-year hold
+$93,458(104.7% ROI)
Projected value
$504,941
Current value$446,294
Return breakdown
Property appreciation+$58,647
Loan principal paid down+$22,811
Rental cash flow+$12,000
10-year hold
+$203,355(227.8% ROI)
Projected value
$571,294
Current value$446,294
Return breakdown
Property appreciation+$125,000
Loan principal paid down+$54,355
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
1.10ratio
FMR$2,550
Market$2,310
vs market+$240

FMR is above market; underwrite to market rent.

90% standard$2,295 / 0.99 ratio110% standard$2,805 / 1.21 ratio
1.10
1 BR
1 BR
0.95ratio
FMR$2,740
Market$2,890
vs market-$150

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

90% standard$2,466 / 0.85 ratio110% standard$3,014 / 1.04 ratio
0.95
2 BR
2 BR
0.96ratio
FMR$3,340
Market$3,470
vs market-$130

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

90% standard$3,006 / 0.87 ratio110% standard$3,674 / 1.06 ratio
0.96
3 BR
3 BR
1.15ratio
FMR$4,450
Market$3,860
vs market+$590

FMR is above market; underwrite to market rent.

90% standard$4,005 / 1.04 ratio110% standard$4,895 / 1.27 ratio
1.15
4 BR
4 BR
1.11ratio
FMR$5,390
Market$4,840
vs market+$550

FMR is above market; underwrite to market rent.

90% standard$4,851 / 1.00 ratio110% standard$5,929 / 1.23 ratio
1.11
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 92029 (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.

92029 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92029 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,340 and the 4 bedroom fair market rent is $5,390.

Use this page for searches like 92029 FMR, 92029 fair market rent, and 92029 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 92029
Bedroom sizeHUD FMR
Studio$2,550
1 bedroom$2,740
2 bedroom$3,340
3 bedroom$4,450
4 bedroom$5,390