92116
ZIPSAFMR
San Diego County, CA
BRFMR
Eff. Rent
0 BR$2,320$1,970
1 BR$2,490$2,510
2 BR$3,040$3,200
3 BR$4,050$4,260
4 BR$4,910$4,800
5 BR$5,647
6 BR$6,493
7 BR$7,467
8 BR$8,588

Purchase Price Calculator

Maximum purchase price
$413,602

Cost breakdown

+Likely effective rent$3,200
HUD FMR$3,040
Market rent$3,290
Est. payment standard (105%)Used$3,200
Estimated payment standard is $3,200 (105% of FMR).
-Principal and interest-$2,091
Loan amount$330,882
Down payment$82,720
Rate6.50%
Term30 years
-Operating costs-$909
Property taxes-$414
Insurance-$175
Utilities$0
HOA$0
Management-$320
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$50,857(61.5% ROI)
Projected value
$445,404
Current value$413,602
Return breakdown
Property appreciation+$31,802
Loan principal paid down+$11,855
Rental cash flow+$7,200
5-year hold
+$87,491(105.8% ROI)
Projected value
$467,953
Current value$413,602
Return breakdown
Property appreciation+$54,351
Loan principal paid down+$21,140
Rental cash flow+$12,000
10-year hold
+$190,217(230.0% ROI)
Projected value
$529,446
Current value$413,602
Return breakdown
Property appreciation+$115,844
Loan principal paid down+$50,373
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
1.18ratio
FMR$2,320
Market$1,970
vs market+$350

FMR is above market; underwrite to market rent.

90% standard$2,088 / 1.06 ratio110% standard$2,552 / 1.30 ratio
1.18
1 BR
1 BR
0.99ratio
FMR$2,490
Market$2,520
vs market-$30

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

90% standard$2,241 / 0.89 ratio110% standard$2,739 / 1.09 ratio
0.99
2 BR
2 BR
0.92ratio
FMR$3,040
Market$3,290
vs market-$250

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

90% standard$2,736 / 0.83 ratio110% standard$3,344 / 1.02 ratio
0.92
3 BR
3 BR
0.93ratio
FMR$4,050
Market$4,370
vs market-$320

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

90% standard$3,645 / 0.83 ratio110% standard$4,455 / 1.02 ratio
0.93
4 BR
4 BR
1.02ratio
FMR$4,910
Market$4,800
vs market+$110

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

90% standard$4,419 / 0.92 ratio110% standard$5,401 / 1.13 ratio
1.02
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 92116 (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.

92116 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92116 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,040 and the 4 bedroom fair market rent is $4,910.

Use this page for searches like 92116 FMR, 92116 fair market rent, and 92116 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 92116
Bedroom sizeHUD FMR
Studio$2,320
1 bedroom$2,490
2 bedroom$3,040
3 bedroom$4,050
4 bedroom$4,910