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San Diego County/San Diego/92110

92110

ZIPSAFMR
San Diego County, CA
Zillow

ZIP Investment Score

60Below average

095130300
BRFMR
Eff. Rent
0 BR$2,520$2,160
1 BR$2,690$2,610
2 BR$3,250$3,210
3 BR$4,310$4,740
4 BR$5,210$5,730
5 BR$5,991Not available
6 BR$6,890Not available
7 BR$7,924Not available
8 BR$9,112Not available

Purchase Price Calculator

Maximum purchase price
$415,088

Cost breakdown

+Likely effective rent$3,210
HUD FMR$3,250
Market rentUsed$3,210
Est. payment standard (99%)$3,220
-Principal and interest-$2,099
Loan amount$332,071
Down payment$83,018
Rate6.50%
Term30 years
-Operating costs-$911
Property taxes-$415
Insurance-$175
Utilities$0
HOA$0
Management-$321
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$51,014(61.4% ROI)
Projected value
$447,005
Return breakdown
Property appreciation+$31,916
Loan principal paid down+$11,897
Rental cash flow+$7,200
5-year hold
+$87,762(105.7% ROI)
Projected value
$469,634
Return breakdown
Property appreciation+$54,546
Loan principal paid down+$21,216
Rental cash flow+$12,000
10-year hold
+$190,814(229.8% ROI)
Projected value
$531,348
Return breakdown
Property appreciation+$116,260
Loan principal paid down+$50,554
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.17
1 BR
1.03
2 BR
1.01
3 BR
0.83
4 BR
0.85
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 92110 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 92110 (San Diego, CA) is $3,250 a month. That is down 5.8% from $3,450 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, 92110 is tied for the 36th-highest two-bedroom rent (county range $1,750–$4,230). The median county two-bedroom FMR in California is $1,725, so ZIP 92110 is 88% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 92110
BedroomsFY 2027Change90–110% range
Studio$2,520−4.2%$2,268–$2,772
1BR$2,690−4.9%$2,421–$2,959
2BR$3,250−5.8%$2,925–$3,575
3BR$4,310−6.3%$3,879–$4,741
4BR$5,210−6.5%$4,689–$5,731

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 92110
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,520$2,690$3,250$4,310$5,210
FY 2026$2,630$2,830$3,450$4,600$5,570
FY 2025$2,350$2,550$3,150$4,210$5,130
FY 2024$2,210$2,410$3,040$4,100$4,980
FY 2023$1,940$2,130$2,710$3,700$4,500

Two-bedroom rent in nearby San Diego County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 92110
92104$2,910−10.5%
92105$2,290−29.5%
92106$2,930−9.8%
92107$3,170−2.5%
92108$4,120+26.8%
92109$3,480+7.1%
92110Current$3,250—
92111$2,820−13.2%
92112$2,820−13.2%
92113$2,240−31.1%
92114$2,420−25.5%
92115$2,650−18.5%

Questions about ZIP 92110 rents

How much will Section 8 pay for a two-bedroom in ZIP 92110?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $3,250, that basic range is $2,925 to $3,575 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 92110 in?

ZIP 92110 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 92110 for FY 2027?

The two-bedroom FMR fell 5.8%, from $3,450 in FY 2026 to $3,250 in FY 2027. Since FY 2023 it has risen 19.9%.

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