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San Diego County/Ranchita/92066

92066

ZIPSAFMR
San Diego County, CA
Zillow

ZIP Investment Score

53Below average

095130300
BRFMR
Eff. Rent
0 BR$1,430$1,430
1 BR$1,520$1,520
2 BR$1,840$1,840
3 BR$2,440$2,440
4 BR$2,950$2,950
5 BR$3,392Not available
6 BR$3,901Not available
7 BR$4,487Not available
8 BR$5,160Not available

Purchase Price Calculator

Maximum purchase price
$211,507

Cost breakdown

+Likely effective rent$1,840
HUD FMRUsed$1,840
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,069
Loan amount$169,205
Down payment$42,301
Rate6.50%
Term30 years
-Operating costs-$571
Property taxes-$212
Insurance-$175
Utilities$0
HOA$0
Management-$184
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,525(69.8% ROI)
Projected value
$227,770
Return breakdown
Property appreciation+$16,263
Loan principal paid down+$6,062
Rental cash flow+$7,200
5-year hold
+$50,604(119.6% ROI)
Projected value
$239,300
Return breakdown
Property appreciation+$27,794
Loan principal paid down+$10,811
Rental cash flow+$12,000
10-year hold
+$108,999(257.7% ROI)
Projected value
$270,747
Return breakdown
Property appreciation+$59,240
Loan principal paid down+$25,760
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
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Mortgage rate
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ZIP 92066 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 92066 (Ranchita, CA) is $1,840 a month. That is up 2.8% from $1,790 in FY 2026. Ranchita 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, 92066 is tied for the 172nd-highest two-bedroom rent (county range $1,750–$4,230). The median county two-bedroom FMR in California is $1,725, so ZIP 92066 is 7% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 92066
BedroomsFY 2027Change90–110% range
Studio$1,430+5.1%$1,287–$1,573
1BR$1,520+3.4%$1,368–$1,672
2BR$1,840+2.8%$1,656–$2,024
3BR$2,440+2.1%$2,196–$2,684
4BR$2,950+1.7%$2,655–$3,245

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 92066
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,430$1,520$1,840$2,440$2,950
FY 2026$1,360$1,470$1,790$2,390$2,900
FY 2025$1,260$1,370$1,690$2,260$2,750
FY 2024$1,300$1,410$1,780$2,400$2,910
FY 2023$1,090$1,190$1,520$2,080$2,530

Two-bedroom rent in nearby San Diego County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 92066
92059$1,990+8.2%
92060$1,920+4.3%
92061$2,520+37.0%
92064$2,970+61.4%
92065$2,510+36.4%
92066Current$1,840—
92067$3,630+97.3%
92068$2,820+53.3%
92069$2,820+53.3%
92070$2,250+22.3%
92071$2,750+49.5%
92072$2,820+53.3%

Questions about ZIP 92066 rents

How much will Section 8 pay for a two-bedroom in ZIP 92066?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,840, that basic range is $1,656 to $2,024 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 92066 in?

ZIP 92066 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 92066 for FY 2027?

The two-bedroom FMR rose 2.8%, from $1,790 in FY 2026 to $1,840 in FY 2027. Since FY 2023 it has risen 21.1%.

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