92102
ZIPSAFMR
San Diego County, CA
BRFMR
Eff. Rent
0 BR$2,130$2,050
1 BR$2,290$2,490
2 BR$2,800$3,070
3 BR$3,730$4,100
4 BR$4,520$3,640
5 BR$5,198
6 BR$5,978
7 BR$6,874
8 BR$7,906

Purchase Price Calculator

Maximum purchase price
$394,284

Cost breakdown

+Likely effective rent$3,070
HUD FMR$2,800
Market rent$3,220
Est. payment standard (110%)Used$3,070
Estimated payment standard is $3,070 (110% of FMR).
-Principal and interest-$1,994
Loan amount$315,427
Down payment$78,857
Rate6.50%
Term30 years
-Operating costs-$876
Property taxes-$394
Insurance-$175
Utilities$0
HOA$0
Management-$307
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$48,818(61.9% ROI)
Projected value
$424,601
Current value$394,284
Return breakdown
Property appreciation+$30,317
Loan principal paid down+$11,301
Rental cash flow+$7,200
5-year hold
+$83,965(106.5% ROI)
Projected value
$446,096
Current value$394,284
Return breakdown
Property appreciation+$51,812
Loan principal paid down+$20,153
Rental cash flow+$12,000
10-year hold
+$182,453(231.4% ROI)
Projected value
$504,717
Current value$394,284
Return breakdown
Property appreciation+$110,433
Loan principal paid down+$48,020
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
1.04ratio
FMR$2,130
Market$2,050
vs market+$80

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

90% standard$1,917 / 0.94 ratio110% standard$2,343 / 1.14 ratio
1.04
1 BR
1 BR
0.88ratio
FMR$2,290
Market$2,590
vs market-$300

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

90% standard$2,061 / 0.80 ratio110% standard$2,519 / 0.97 ratio
0.88
2 BR
2 BR
0.87ratio
FMR$2,800
Market$3,220
vs market-$420

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

90% standard$2,520 / 0.78 ratio110% standard$3,080 / 0.96 ratio
0.87
3 BR
3 BR
0.85ratio
FMR$3,730
Market$4,370
vs market-$640

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

90% standard$3,357 / 0.77 ratio110% standard$4,103 / 0.94 ratio
0.85
4 BR
4 BR
1.24ratio
FMR$4,520
Market$3,640
vs market+$880

FMR is above market; underwrite to market rent.

90% standard$4,068 / 1.12 ratio110% standard$4,972 / 1.37 ratio
1.24
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 92102 (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.

92102 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92102 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,800 and the 4 bedroom fair market rent is $4,520.

Use this page for searches like 92102 FMR, 92102 fair market rent, and 92102 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 92102
Bedroom sizeHUD FMR
Studio$2,130
1 bedroom$2,290
2 bedroom$2,800
3 bedroom$3,730
4 bedroom$4,520