92069
ZIPSAFMR
San Diego County, CA
BRFMR
Eff. Rent
0 BR$2,240$2,280
1 BR$2,410$2,550
2 BR$2,940$2,870
3 BR$3,920$3,870
4 BR$4,750$4,300
5 BR$5,463
6 BR$6,282
7 BR$7,224
8 BR$8,308

Purchase Price Calculator

Maximum purchase price
$364,564

Cost breakdown

+Likely effective rent$2,870
HUD FMR$2,940
Market rentUsed$2,870
Est. payment standard (98%)$2,890
Market rent is below the inferred standard ($2,890, 98% of FMR).
-Principal and interest-$1,843
Loan amount$291,651
Down payment$72,913
Rate6.50%
Term30 years
-Operating costs-$827
Property taxes-$365
Insurance-$175
Utilities$0
HOA$0
Management-$287
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$45,681(62.7% ROI)
Projected value
$392,596
Current value$364,564
Return breakdown
Property appreciation+$28,032
Loan principal paid down+$10,449
Rental cash flow+$7,200
5-year hold
+$78,540(107.7% ROI)
Projected value
$412,471
Current value$364,564
Return breakdown
Property appreciation+$47,907
Loan principal paid down+$18,634
Rental cash flow+$12,000
10-year hold
+$170,509(233.9% ROI)
Projected value
$466,673
Current value$364,564
Return breakdown
Property appreciation+$102,109
Loan principal paid down+$44,401
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
0.97ratio
FMR$2,240
Market$2,300
vs market-$60

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

90% standard$2,016 / 0.88 ratio110% standard$2,464 / 1.07 ratio
0.97
1 BR
1 BR
0.92ratio
FMR$2,410
Market$2,620
vs market-$210

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

90% standard$2,169 / 0.83 ratio110% standard$2,651 / 1.01 ratio
0.92
2 BR
2 BR
1.02ratio
FMR$2,940
Market$2,870
vs market+$70

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

90% standard$2,646 / 0.92 ratio110% standard$3,234 / 1.13 ratio
1.02
3 BR
3 BR
1.01ratio
FMR$3,920
Market$3,870
vs market+$50

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

90% standard$3,528 / 0.91 ratio110% standard$4,312 / 1.11 ratio
1.01
4 BR
4 BR
1.10ratio
FMR$4,750
Market$4,300
vs market+$450

FMR is above market; underwrite to market rent.

90% standard$4,275 / 0.99 ratio110% standard$5,225 / 1.22 ratio
1.10
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 92069 (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.

92069 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92069 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,940 and the 4 bedroom fair market rent is $4,750.

Use this page for searches like 92069 FMR, 92069 fair market rent, and 92069 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 92069
Bedroom sizeHUD FMR
Studio$2,240
1 bedroom$2,410
2 bedroom$2,940
3 bedroom$3,920
4 bedroom$4,750