Skip to main content
Loading page
San Diego County/Pala/92059

92059

ZIPSAFMR
San Diego County, CA
Zillow

ZIP Investment Score

58Below average

095130300
BRFMR
Eff. Rent
0 BR$1,550$1,710
1 BR$1,650$1,820
2 BR$1,990$2,190
3 BR$2,650$2,920
4 BR$3,220$3,540
5 BR$3,703Not available
6 BR$4,258Not available
7 BR$4,897Not available
8 BR$5,632Not available

Purchase Price Calculator

Maximum purchase price
$263,517

Cost breakdown

+Likely effective rent$2,190
HUD FMR$1,990
Market rent$3,000
Est. payment standard (110%)Used$2,190
-Principal and interest-$1,332
Loan amount$210,813
Down payment$52,703
Rate6.50%
Term30 years
-Operating costs-$658
Property taxes-$264
Insurance-$175
Utilities$0
HOA$0
Management-$219
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$35,015(66.4% ROI)
Projected value
$283,779
Return breakdown
Property appreciation+$20,262
Loan principal paid down+$7,553
Rental cash flow+$7,200
5-year hold
+$60,097(114.0% ROI)
Projected value
$298,145
Return breakdown
Property appreciation+$34,628
Loan principal paid down+$13,469
Rental cash flow+$12,000
10-year hold
+$129,901(246.5% ROI)
Projected value
$337,324
Return breakdown
Property appreciation+$73,807
Loan principal paid down+$32,094
Rental cash flow+$24,000

Public Housing Authority

Loading Public Housing Authority

Rolodex

Loading Rolodex

Market Alignment

Studio
0.55
1 BR
0.60
2 BR
0.66
3 BR
0.75
4 BR
0.79
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 92059 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 92059 (Pala, CA) is $1,990 a month. That is down 10.0% from $2,210 in FY 2026. Pala 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, 92059 has the 170th-highest two-bedroom rent (county range $1,750–$4,230). The median county two-bedroom FMR in California is $1,725, so ZIP 92059 is 15% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 92059
BedroomsFY 2027Change90–110% range
Studio$1,550−8.3%$1,395–$1,705
1BR$1,650−8.8%$1,485–$1,815
2BR$1,990−10.0%$1,791–$2,189
3BR$2,650−9.9%$2,385–$2,915
4BR$3,220−9.8%$2,898–$3,542

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 92059
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,550$1,650$1,990$2,650$3,220
FY 2026$1,690$1,810$2,210$2,940$3,570
FY 2025$1,590$1,730$2,140$2,860$3,480
FY 2024$1,530$1,670$2,100$2,830$3,440
FY 2023$1,240$1,370$1,740$2,380$2,890

Two-bedroom rent in nearby San Diego County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 92059
92052$2,820+41.7%
92054$2,640+32.7%
92055$3,110+56.3%
92056$3,310+66.3%
92057$3,020+51.8%
92058$2,880+44.7%
92059Current$1,990—
92060$1,920−3.5%
92061$2,520+26.6%
92064$2,970+49.2%
92065$2,510+26.1%
92066$1,840−7.5%

Questions about ZIP 92059 rents

How much will Section 8 pay for a two-bedroom in ZIP 92059?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,990, that basic range is $1,791 to $2,189 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 92059 in?

ZIP 92059 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 92059 for FY 2027?

The two-bedroom FMR fell 10.0%, from $2,210 in FY 2026 to $1,990 in FY 2027. Since FY 2023 it has risen 14.4%.

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