92110
ZIPSAFMR
San Diego County, CA
BRFMR
Eff. Rent
0 BR$2,630$2,160
1 BR$2,830$2,610
2 BR$3,450$3,210
3 BR$4,600$5,000
4 BR$5,570$5,910
5 BR$6,405
6 BR$7,366
7 BR$8,471
8 BR$9,742

Purchase Price Calculator

Maximum purchase price
$415,088

Cost breakdown

+Likely effective rent$3,210
HUD FMR$3,450
Market rentUsed$3,210
Est. payment standard (95%)$3,290
Market rent is below the inferred standard ($3,290, 95% of FMR).
-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
Current value$415,088
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
Current value$415,088
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
Current value$415,088
Return breakdown
Property appreciation+$116,260
Loan principal paid down+$50,554
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
1.22ratio
FMR$2,630
Market$2,160
vs market+$470

FMR is above market; underwrite to market rent.

90% standard$2,367 / 1.10 ratio110% standard$2,893 / 1.34 ratio
1.22
1 BR
1 BR
1.08ratio
FMR$2,830
Market$2,610
vs market+$220

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

90% standard$2,547 / 0.98 ratio110% standard$3,113 / 1.19 ratio
1.08
2 BR
2 BR
1.07ratio
FMR$3,450
Market$3,210
vs market+$240

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

90% standard$3,105 / 0.97 ratio110% standard$3,795 / 1.18 ratio
1.07
3 BR
3 BR
0.88ratio
FMR$4,600
Market$5,210
vs market-$610

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

90% standard$4,140 / 0.79 ratio110% standard$5,060 / 0.97 ratio
0.88
4 BR
4 BR
0.91ratio
FMR$5,570
Market$6,100
vs market-$530

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

90% standard$5,013 / 0.82 ratio110% standard$6,127 / 1.00 ratio
0.91
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 92110 (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.

92110 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92110 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,450 and the 4 bedroom fair market rent is $5,570.

Use this page for searches like 92110 FMR, 92110 fair market rent, and 92110 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 92110
Bedroom sizeHUD FMR
Studio$2,630
1 bedroom$2,830
2 bedroom$3,450
3 bedroom$4,600
4 bedroom$5,570