92081
ZIPSAFMR
San Diego County, CA
BRFMR
Eff. Rent
0 BR$2,580$2,510
1 BR$2,770$3,020
2 BR$3,380$3,610
3 BR$4,500$4,070
4 BR$5,460$4,780
5 BR$6,279
6 BR$7,221
7 BR$8,304
8 BR$9,550

Purchase Price Calculator

Maximum purchase price
$474,528

Cost breakdown

+Likely effective rent$3,610
HUD FMR$3,380
Market rent$3,730
Est. payment standard (107%)Used$3,610
Estimated payment standard is $3,610 (107% of FMR).
-Principal and interest-$2,399
Loan amount$379,622
Down payment$94,906
Rate6.50%
Term30 years
-Operating costs-$1,011
Property taxes-$475
Insurance-$175
Utilities$0
HOA$0
Management-$361
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$57,288(60.4% ROI)
Projected value
$511,015
Current value$474,528
Return breakdown
Property appreciation+$36,487
Loan principal paid down+$13,601
Rental cash flow+$7,200
5-year hold
+$98,611(103.9% ROI)
Projected value
$536,885
Current value$474,528
Return breakdown
Property appreciation+$62,357
Loan principal paid down+$24,254
Rental cash flow+$12,000
10-year hold
+$214,701(226.2% ROI)
Projected value
$607,436
Current value$474,528
Return breakdown
Property appreciation+$132,908
Loan principal paid down+$57,793
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
1.03ratio
FMR$2,580
Market$2,510
vs market+$70

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

90% standard$2,322 / 0.93 ratio110% standard$2,838 / 1.13 ratio
1.03
1 BR
1 BR
0.88ratio
FMR$2,770
Market$3,160
vs market-$390

FMR is below market; voucher rent may lag private rents.

90% standard$2,493 / 0.79 ratio110% standard$3,047 / 0.96 ratio
0.88
2 BR
2 BR
0.91ratio
FMR$3,380
Market$3,730
vs market-$350

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

90% standard$3,042 / 0.82 ratio110% standard$3,718 / 1.00 ratio
0.91
3 BR
3 BR
1.11ratio
FMR$4,500
Market$4,070
vs market+$430

FMR is above market; underwrite to market rent.

90% standard$4,050 / 1.00 ratio110% standard$4,950 / 1.22 ratio
1.11
4 BR
4 BR
1.14ratio
FMR$5,460
Market$4,780
vs market+$680

FMR is above market; underwrite to market rent.

90% standard$4,914 / 1.03 ratio110% standard$6,006 / 1.26 ratio
1.14
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 92081 (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.

92081 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92081 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,380 and the 4 bedroom fair market rent is $5,460.

Use this page for searches like 92081 FMR, 92081 fair market rent, and 92081 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 92081
Bedroom sizeHUD FMR
Studio$2,580
1 bedroom$2,770
2 bedroom$3,380
3 bedroom$4,500
4 bedroom$5,460