92103
ZIPSAFMR
San Diego County, CA
BRFMR
Eff. Rent
0 BR$2,580$1,840
1 BR$2,780$2,650
2 BR$3,390$3,630
3 BR$4,520$4,600
4 BR$5,470$5,200
5 BR$6,290
6 BR$7,234
7 BR$8,319
8 BR$9,567

Purchase Price Calculator

Maximum purchase price
$477,500

Cost breakdown

+Likely effective rent$3,630
HUD FMR$3,390
Market rent$3,760
Est. payment standard (107%)Used$3,630
Estimated payment standard is $3,630 (107% of FMR).
-Principal and interest-$2,414
Loan amount$382,000
Down payment$95,500
Rate6.50%
Term30 years
-Operating costs-$1,016
Property taxes-$478
Insurance-$175
Utilities$0
HOA$0
Management-$363
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$57,601(60.3% ROI)
Projected value
$514,215
Current value$477,500
Return breakdown
Property appreciation+$36,715
Loan principal paid down+$13,686
Rental cash flow+$7,200
5-year hold
+$99,153(103.8% ROI)
Projected value
$540,247
Current value$477,500
Return breakdown
Property appreciation+$62,747
Loan principal paid down+$24,406
Rental cash flow+$12,000
10-year hold
+$215,896(226.1% ROI)
Projected value
$611,240
Current value$477,500
Return breakdown
Property appreciation+$133,740
Loan principal paid down+$58,155
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
1.40ratio
FMR$2,580
Market$1,840
vs market+$740

FMR is above market; underwrite to market rent.

90% standard$2,322 / 1.26 ratio110% standard$2,838 / 1.54 ratio
1.40
1 BR
1 BR
1.05ratio
FMR$2,780
Market$2,650
vs market+$130

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

90% standard$2,502 / 0.94 ratio110% standard$3,058 / 1.15 ratio
1.05
2 BR
2 BR
0.90ratio
FMR$3,390
Market$3,760
vs market-$370

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

90% standard$3,051 / 0.81 ratio110% standard$3,729 / 0.99 ratio
0.90
3 BR
3 BR
0.97ratio
FMR$4,520
Market$4,650
vs market-$130

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

90% standard$4,068 / 0.87 ratio110% standard$4,972 / 1.07 ratio
0.97
4 BR
4 BR
1.05ratio
FMR$5,470
Market$5,200
vs market+$270

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

90% standard$4,923 / 0.95 ratio110% standard$6,017 / 1.16 ratio
1.05
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 92103 (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.

92103 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92103 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,390 and the 4 bedroom fair market rent is $5,470.

Use this page for searches like 92103 FMR, 92103 fair market rent, and 92103 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 92103
Bedroom sizeHUD FMR
Studio$2,580
1 bedroom$2,780
2 bedroom$3,390
3 bedroom$4,520
4 bedroom$5,470