92107
ZIPSAFMR
San Diego County, CA
BRFMR
Eff. Rent
0 BR$2,580$2,490
1 BR$2,770$3,040
2 BR$3,380$3,720
3 BR$4,500$4,950
4 BR$5,460$6,010
5 BR$6,279
6 BR$7,221
7 BR$8,304
8 BR$9,550

Purchase Price Calculator

Maximum purchase price
$490,874

Cost breakdown

+Likely effective rent$3,720
HUD FMR$3,380
Market rent$4,130
Est. payment standard (110%)Used$3,720
Estimated payment standard is $3,720 (110% of FMR).
-Principal and interest-$2,482
Loan amount$392,699
Down payment$98,175
Rate6.50%
Term30 years
-Operating costs-$1,038
Property taxes-$491
Insurance-$175
Utilities$0
HOA$0
Management-$372
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$59,013(60.1% ROI)
Projected value
$528,618
Current value$490,874
Return breakdown
Property appreciation+$37,744
Loan principal paid down+$14,069
Rental cash flow+$7,200
5-year hold
+$101,595(103.5% ROI)
Projected value
$555,379
Current value$490,874
Return breakdown
Property appreciation+$64,505
Loan principal paid down+$25,090
Rental cash flow+$12,000
10-year hold
+$221,270(225.4% ROI)
Projected value
$628,360
Current value$490,874
Return breakdown
Property appreciation+$137,486
Loan principal paid down+$59,784
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$2,580
Market$2,490
vs market+$90

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

90% standard$2,322 / 0.93 ratio110% standard$2,838 / 1.14 ratio
1.04
1 BR
1 BR
0.87ratio
FMR$2,770
Market$3,190
vs market-$420

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

90% standard$2,493 / 0.78 ratio110% standard$3,047 / 0.96 ratio
0.87
2 BR
2 BR
0.82ratio
FMR$3,380
Market$4,130
vs market-$750

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

90% standard$3,042 / 0.74 ratio110% standard$3,718 / 0.90 ratio
0.82
3 BR
3 BR
0.76ratio
FMR$4,500
Market$5,950
vs market-$1,450

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

90% standard$4,050 / 0.68 ratio110% standard$4,950 / 0.83 ratio
0.76
4 BR
4 BR
0.82ratio
FMR$5,460
Market$6,670
vs market-$1,210

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

90% standard$4,914 / 0.74 ratio110% standard$6,006 / 0.90 ratio
0.82
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 92107 (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.

92107 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92107 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 92107 FMR, 92107 fair market rent, and 92107 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 92107
Bedroom sizeHUD FMR
Studio$2,580
1 bedroom$2,770
2 bedroom$3,380
3 bedroom$4,500
4 bedroom$5,460