92124
ZIPSAFMR
San Diego County, CA
BRFMR
Eff. Rent
0 BR$3,280$2,140
1 BR$3,520$2,530
2 BR$4,300$3,090
3 BR$5,730$4,100
4 BR$6,940$5,430
5 BR$7,981
6 BR$9,178
7 BR$10,555
8 BR$12,138

Purchase Price Calculator

Maximum purchase price
$397,256

Cost breakdown

+Likely effective rent$3,090
HUD FMR$4,300
Market rentUsed$3,090
Est. payment standard (90%)$3,870
Market rent is below the inferred standard ($3,870, 90% of FMR).
-Principal and interest-$2,009
Loan amount$317,805
Down payment$79,451
Rate6.50%
Term30 years
-Operating costs-$881
Property taxes-$397
Insurance-$175
Utilities$0
HOA$0
Management-$309
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$49,131(61.8% ROI)
Projected value
$427,802
Current value$397,256
Return breakdown
Property appreciation+$30,545
Loan principal paid down+$11,386
Rental cash flow+$7,200
5-year hold
+$84,507(106.4% ROI)
Projected value
$449,459
Current value$397,256
Return breakdown
Property appreciation+$52,203
Loan principal paid down+$20,305
Rental cash flow+$12,000
10-year hold
+$183,648(231.1% ROI)
Projected value
$508,522
Current value$397,256
Return breakdown
Property appreciation+$111,265
Loan principal paid down+$48,382
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
1.53ratio
FMR$3,280
Market$2,140
vs market+$1,140

FMR is above market; underwrite to market rent.

90% standard$2,952 / 1.38 ratio110% standard$3,608 / 1.69 ratio
1.53
1 BR
1 BR
1.39ratio
FMR$3,520
Market$2,530
vs market+$990

FMR is above market; underwrite to market rent.

90% standard$3,168 / 1.25 ratio110% standard$3,872 / 1.53 ratio
1.39
2 BR
2 BR
1.39ratio
FMR$4,300
Market$3,090
vs market+$1,210

FMR is above market; underwrite to market rent.

90% standard$3,870 / 1.25 ratio110% standard$4,730 / 1.53 ratio
1.39
3 BR
3 BR
1.40ratio
FMR$5,730
Market$4,100
vs market+$1,630

FMR is above market; underwrite to market rent.

90% standard$5,157 / 1.26 ratio110% standard$6,303 / 1.54 ratio
1.40
4 BR
4 BR
1.28ratio
FMR$6,940
Market$5,430
vs market+$1,510

FMR is above market; underwrite to market rent.

90% standard$6,246 / 1.15 ratio110% standard$7,634 / 1.41 ratio
1.28
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom 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 92124 (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.

92124 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92124 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $4,300 and the 4 bedroom fair market rent is $6,940.

Use this page for searches like 92124 FMR, 92124 fair market rent, and 92124 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 92124
Bedroom sizeHUD FMR
Studio$3,280
1 bedroom$3,520
2 bedroom$4,300
3 bedroom$5,730
4 bedroom$6,940