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San Diego County/San Diego/92126

92126

ZIPSAFMR
San Diego County, CA
Zillow

ZIP Investment Score

66Below average

095130300
BRFMR
Eff. Rent
0 BR$2,700$2,260
1 BR$2,880$2,540
2 BR$3,480$3,520
3 BR$4,610$3,770
4 BR$5,580$3,970
5 BR$6,417Not available
6 BR$7,380Not available
7 BR$8,486Not available
8 BR$9,759Not available

Purchase Price Calculator

Maximum purchase price
$461,154

Cost breakdown

+Likely effective rent$3,520
HUD FMR$3,480
Market rent$3,540
Est. payment standard (101%)Used$3,520
-Principal and interest-$2,332
Loan amount$368,923
Down payment$92,231
Rate6.50%
Term30 years
-Operating costs-$988
Property taxes-$461
Insurance-$175
Utilities$0
HOA$0
Management-$352
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$55,876(60.6% ROI)
Projected value
$496,612
Return breakdown
Property appreciation+$35,458
Loan principal paid down+$13,218
Rental cash flow+$7,200
5-year hold
+$96,170(104.3% ROI)
Projected value
$521,754
Return breakdown
Property appreciation+$60,599
Loan principal paid down+$23,571
Rental cash flow+$12,000
10-year hold
+$209,327(227.0% ROI)
Projected value
$590,316
Return breakdown
Property appreciation+$129,162
Loan principal paid down+$56,164
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.19
1 BR
1.13
2 BR
0.98
3 BR
1.22
4 BR
1.41
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 92126 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 92126 (San Diego, CA) is $3,480 a month. That is down 6.5% from $3,720 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, 92126 is tied for the 26th-highest two-bedroom rent (county range $1,750–$4,230). The median county two-bedroom FMR in California is $1,725, so ZIP 92126 is 102% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 92126
BedroomsFY 2027Change90–110% range
Studio$2,700−4.9%$2,430–$2,970
1BR$2,880−5.6%$2,592–$3,168
2BR$3,480−6.5%$3,132–$3,828
3BR$4,610−7.1%$4,149–$5,071
4BR$5,580−7.2%$5,022–$6,138

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 92126
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,700$2,880$3,480$4,610$5,580
FY 2026$2,840$3,050$3,720$4,960$6,010
FY 2025$2,550$2,770$3,430$4,590$5,580
FY 2024$2,450$2,670$3,360$4,530$5,500
FY 2023$2,140$2,350$2,990$4,090$4,970

Two-bedroom rent in nearby San Diego County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 92126
92120$3,110−10.6%
92121$3,290−5.5%
92122$3,700+6.3%
92123$3,590+3.2%
92124$4,010+15.2%
92126Current$3,480—
92127$3,410−2.0%
92128$3,610+3.7%
92129$3,090−11.2%
92130$4,230+21.6%
92131$3,950+13.5%
92132$2,820−19.0%

Questions about ZIP 92126 rents

How much will Section 8 pay for a two-bedroom in ZIP 92126?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $3,480, that basic range is $3,132 to $3,828 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 92126 in?

ZIP 92126 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 92126 for FY 2027?

The two-bedroom FMR fell 6.5%, from $3,720 in FY 2026 to $3,480 in FY 2027. Since FY 2023 it has risen 16.4%.

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