92118
ZIPSAFMR
San Diego County, CA
BRFMR
Eff. Rent
0 BR$3,430$3,560
1 BR$3,690$4,060
2 BR$4,500$4,730
3 BR$5,990$6,590
4 BR$7,270$8,000
5 BR$8,361
6 BR$9,615
7 BR$11,057
8 BR$12,715

Purchase Price Calculator

Maximum purchase price
$640,960

Cost breakdown

+Likely effective rent$4,730
HUD FMR$4,500
Market rent$4,860
Est. payment standard (105%)Used$4,730
Estimated payment standard is $4,730 (105% of FMR).
-Principal and interest-$3,241
Loan amount$512,768
Down payment$128,192
Rate6.50%
Term30 years
-Operating costs-$1,289
Property taxes-$641
Insurance-$175
Utilities$0
HOA$0
Management-$473
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$74,855(58.4% ROI)
Projected value
$690,243
Current value$640,960
Return breakdown
Property appreciation+$49,284
Loan principal paid down+$18,371
Rental cash flow+$7,200
5-year hold
+$128,988(100.6% ROI)
Projected value
$725,187
Current value$640,960
Return breakdown
Property appreciation+$84,227
Loan principal paid down+$32,761
Rental cash flow+$12,000
10-year hold
+$281,586(219.7% ROI)
Projected value
$820,482
Current value$640,960
Return breakdown
Property appreciation+$179,523
Loan principal paid down+$78,063
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
0.94ratio
FMR$3,430
Market$3,630
vs market-$200

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

90% standard$3,087 / 0.85 ratio110% standard$3,773 / 1.04 ratio
0.94
1 BR
1 BR
0.86ratio
FMR$3,690
Market$4,290
vs market-$600

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

90% standard$3,321 / 0.77 ratio110% standard$4,059 / 0.95 ratio
0.86
2 BR
2 BR
0.93ratio
FMR$4,500
Market$4,860
vs market-$360

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

90% standard$4,050 / 0.83 ratio110% standard$4,950 / 1.02 ratio
0.93
3 BR
3 BR
0.66ratio
FMR$5,990
Market$9,090
vs market-$3,100

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

90% standard$5,391 / 0.59 ratio110% standard$6,589 / 0.72 ratio
0.66
4 BR
4 BR
0.79ratio
FMR$7,270
Market$9,240
vs market-$1,970

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

90% standard$6,543 / 0.71 ratio110% standard$7,997 / 0.87 ratio
0.79
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 92118 (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.

92118 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92118 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $4,500 and the 4 bedroom fair market rent is $7,270.

Use this page for searches like 92118 FMR, 92118 fair market rent, and 92118 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 92118
Bedroom sizeHUD FMR
Studio$3,430
1 bedroom$3,690
2 bedroom$4,500
3 bedroom$5,990
4 bedroom$7,270