92040
ZIPSAFMR
San Diego County, CA
BRFMR
Eff. Rent
0 BR$2,010$2,020
1 BR$2,160$2,260
2 BR$2,630$2,770
3 BR$3,500$3,640
4 BR$4,250$4,370
5 BR$4,888
6 BR$5,621
7 BR$6,464
8 BR$7,433

Purchase Price Calculator

Maximum purchase price
$349,704

Cost breakdown

+Likely effective rent$2,770
HUD FMR$2,630
Market rent$2,840
Est. payment standard (105%)Used$2,770
Estimated payment standard is $2,770 (105% of FMR).
-Principal and interest-$1,768
Loan amount$279,764
Down payment$69,941
Rate6.50%
Term30 years
-Operating costs-$802
Property taxes-$350
Insurance-$175
Utilities$0
HOA$0
Management-$277
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$44,112(63.1% ROI)
Projected value
$376,593
Current value$349,704
Return breakdown
Property appreciation+$26,889
Loan principal paid down+$10,023
Rental cash flow+$7,200
5-year hold
+$75,828(108.4% ROI)
Projected value
$395,658
Current value$349,704
Return breakdown
Property appreciation+$45,954
Loan principal paid down+$17,874
Rental cash flow+$12,000
10-year hold
+$164,538(235.3% ROI)
Projected value
$447,651
Current value$349,704
Return breakdown
Property appreciation+$97,947
Loan principal paid down+$42,591
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
1.00ratio
FMR$2,010
Market$2,020
vs market-$10

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

90% standard$1,809 / 0.90 ratio110% standard$2,211 / 1.09 ratio
1.00
1 BR
1 BR
0.94ratio
FMR$2,160
Market$2,310
vs market-$150

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

90% standard$1,944 / 0.84 ratio110% standard$2,376 / 1.03 ratio
0.94
2 BR
2 BR
0.93ratio
FMR$2,630
Market$2,840
vs market-$210

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

90% standard$2,367 / 0.83 ratio110% standard$2,893 / 1.02 ratio
0.93
3 BR
3 BR
0.94ratio
FMR$3,500
Market$3,720
vs market-$220

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

90% standard$3,150 / 0.85 ratio110% standard$3,850 / 1.03 ratio
0.94
4 BR
4 BR
0.96ratio
FMR$4,250
Market$4,440
vs market-$190

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

90% standard$3,825 / 0.86 ratio110% standard$4,675 / 1.05 ratio
0.96
0.700.800.901.001.101.201.30aligned range

Voucher rents are well-aligned with market rents across all bedroom 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 92040 (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.

92040 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92040 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,630 and the 4 bedroom fair market rent is $4,250.

Use this page for searches like 92040 FMR, 92040 fair market rent, and 92040 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 92040
Bedroom sizeHUD FMR
Studio$2,010
1 bedroom$2,160
2 bedroom$2,630
3 bedroom$3,500
4 bedroom$4,250