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San Diego County/San Diego/92102

92102

ZIPSAFMR
San Diego County, CA
Zillow

ZIP Investment Score

95Above average

095130300
BRFMR
Eff. Rent
0 BR$2,100$2,050
1 BR$2,230$2,450
2 BR$2,700$2,970
3 BR$3,580$3,940
4 BR$4,330$3,640
5 BR$4,980Not available
6 BR$5,726Not available
7 BR$6,585Not available
8 BR$7,573Not available

Purchase Price Calculator

Maximum purchase price
$379,424

Cost breakdown

+Likely effective rent$2,970
HUD FMR$2,700
Market rent$3,220
Est. payment standard (110%)Used$2,970
-Principal and interest-$1,919
Loan amount$303,539
Down payment$75,885
Rate6.50%
Term30 years
-Operating costs-$851
Property taxes-$379
Insurance-$175
Utilities$0
HOA$0
Management-$297
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$47,249(62.3% ROI)
Projected value
$408,598
Return breakdown
Property appreciation+$29,174
Loan principal paid down+$10,875
Rental cash flow+$7,200
5-year hold
+$81,253(107.1% ROI)
Projected value
$429,284
Return breakdown
Property appreciation+$49,859
Loan principal paid down+$19,393
Rental cash flow+$12,000
10-year hold
+$176,481(232.6% ROI)
Projected value
$485,695
Return breakdown
Property appreciation+$106,271
Loan principal paid down+$46,210
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.02
1 BR
0.86
2 BR
0.84
3 BR
0.82
4 BR
1.19
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 92102 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 92102 (San Diego, CA) is $2,700 a month. That is down 3.6% from $2,800 in FY 2026. San Diego 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, 92102 has the 140th-highest two-bedroom rent (county range $1,750–$4,230). The median county two-bedroom FMR in California is $1,725, so ZIP 92102 is 57% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 92102
BedroomsFY 2027Change90–110% range
Studio$2,100−1.4%$1,890–$2,310
1BR$2,230−2.6%$2,007–$2,453
2BR$2,700−3.6%$2,430–$2,970
3BR$3,580−4.0%$3,222–$3,938
4BR$4,330−4.2%$3,897–$4,763

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 92102
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,100$2,230$2,700$3,580$4,330
FY 2026$2,130$2,290$2,800$3,730$4,520
FY 2025$1,910$2,070$2,560$3,420$4,170
FY 2024$1,730$1,890$2,380$3,210$3,900
FY 2023$1,490$1,640$2,090$2,860$3,470

Two-bedroom rent in nearby San Diego County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 92102
92093$3,360+24.4%
92096$2,820+4.4%
92101$4,090+51.5%
92102Current$2,700—
92103$3,210+18.9%
92104$2,910+7.8%
92105$2,290−15.2%
92106$2,930+8.5%
92107$3,170+17.4%
92108$4,120+52.6%
92109$3,480+28.9%
92110$3,250+20.4%

Questions about ZIP 92102 rents

How much will Section 8 pay for a two-bedroom in ZIP 92102?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,700, that basic range is $2,430 to $2,970 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 92102 in?

ZIP 92102 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 92102 for FY 2027?

The two-bedroom FMR fell 3.6%, from $2,800 in FY 2026 to $2,700 in FY 2027. Since FY 2023 it has risen 29.2%.

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