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San Diego County/Ramona/92065

92065

ZIPSAFMR
San Diego County, CA
Zillow

ZIP Investment Score

83Below average

095130300
BRFMR
Eff. Rent
0 BR$1,950$2,150
1 BR$2,080$2,290
2 BR$2,510$2,760
3 BR$3,330$3,660
4 BR$4,050$4,460
5 BR$4,658Not available
6 BR$5,356Not available
7 BR$6,160Not available
8 BR$7,083Not available

Purchase Price Calculator

Maximum purchase price
$348,218

Cost breakdown

+Likely effective rent$2,760
HUD FMR$2,510
Market rent$3,450
Est. payment standard (110%)Used$2,760
-Principal and interest-$1,761
Loan amount$278,575
Down payment$69,644
Rate6.50%
Term30 years
-Operating costs-$799
Property taxes-$348
Insurance-$175
Utilities$0
HOA$0
Management-$276
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$43,955(63.1% ROI)
Projected value
$374,993
Return breakdown
Property appreciation+$26,775
Loan principal paid down+$9,981
Rental cash flow+$7,200
5-year hold
+$75,557(108.5% ROI)
Projected value
$393,977
Return breakdown
Property appreciation+$45,759
Loan principal paid down+$17,798
Rental cash flow+$12,000
10-year hold
+$163,940(235.4% ROI)
Projected value
$445,749
Return breakdown
Property appreciation+$97,531
Loan principal paid down+$42,410
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.61
1 BR
0.67
2 BR
0.73
3 BR
0.81
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 92065 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 92065 (Ramona, CA) is $2,510 a month. That is down 9.7% from $2,780 in FY 2026. Ramona 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, 92065 is tied for the 152nd-highest two-bedroom rent (county range $1,750–$4,230). The median county two-bedroom FMR in California is $1,725, so ZIP 92065 is 46% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 92065
BedroomsFY 2027Change90–110% range
Studio$1,950−8.0%$1,755–$2,145
1BR$2,080−8.8%$1,872–$2,288
2BR$2,510−9.7%$2,259–$2,761
3BR$3,330−10.0%$2,997–$3,663
4BR$4,050−9.8%$3,645–$4,455

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 92065
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,950$2,080$2,510$3,330$4,050
FY 2026$2,120$2,280$2,780$3,700$4,490
FY 2025$2,070$2,250$2,780$3,720$4,530
FY 2024$2,020$2,210$2,780$3,750$4,550
FY 2023$1,670$1,840$2,340$3,200$3,890

Two-bedroom rent in nearby San Diego County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 92065
92058$2,880+14.7%
92059$1,990−20.7%
92060$1,920−23.5%
92061$2,520+0.4%
92064$2,970+18.3%
92065Current$2,510—
92066$1,840−26.7%
92067$3,630+44.6%
92068$2,820+12.4%
92069$2,820+12.4%
92070$2,250−10.4%
92071$2,750+9.6%

Questions about ZIP 92065 rents

How much will Section 8 pay for a two-bedroom in ZIP 92065?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,510, that basic range is $2,259 to $2,761 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 92065 in?

ZIP 92065 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 92065 for FY 2027?

The two-bedroom FMR fell 9.7%, from $2,780 in FY 2026 to $2,510 in FY 2027. Since FY 2023 it has risen 7.3%.

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