92135
ZIPSAFMR
San Diego County, CA
BRFMR
Eff. Rent
0 BR$3,430$3,590
1 BR$3,690$4,030
2 BR$4,500$4,710
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
$637,988

Cost breakdown

+Likely effective rent$4,710
HUD FMR$4,500
Market rent$4,830
Est. payment standard (105%)Used$4,710
Estimated payment standard is $4,710 (105% of FMR).
-Principal and interest-$3,226
Loan amount$510,390
Down payment$127,598
Rate6.50%
Term30 years
-Operating costs-$1,284
Property taxes-$638
Insurance-$175
Utilities$0
HOA$0
Management-$471
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$74,541(58.4% ROI)
Projected value
$687,043
Current value$637,988
Return breakdown
Property appreciation+$49,055
Loan principal paid down+$18,286
Rental cash flow+$7,200
5-year hold
+$128,446(100.7% ROI)
Projected value
$721,824
Current value$637,988
Return breakdown
Property appreciation+$83,837
Loan principal paid down+$32,609
Rental cash flow+$12,000
10-year hold
+$280,392(219.7% ROI)
Projected value
$816,678
Current value$637,988
Return breakdown
Property appreciation+$178,690
Loan principal paid down+$77,701
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
0.93ratio
FMR$3,430
Market$3,680
vs market-$250

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

90% standard$3,087 / 0.84 ratio110% standard$3,773 / 1.03 ratio
0.93
1 BR
1 BR
0.87ratio
FMR$3,690
Market$4,220
vs market-$530

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

90% standard$3,321 / 0.79 ratio110% standard$4,059 / 0.96 ratio
0.87
2 BR
2 BR
0.93ratio
FMR$4,500
Market$4,830
vs market-$330

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

90% standard$4,050 / 0.84 ratio110% standard$4,950 / 1.02 ratio
0.93
3 BR
3 BR
0.67ratio
FMR$5,990
Market$8,900
vs market-$2,910

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

90% standard$5,391 / 0.61 ratio110% standard$6,589 / 0.74 ratio
0.67
4 BR
4 BR
0.77ratio
FMR$7,270
Market$9,410
vs market-$2,140

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

90% standard$6,543 / 0.70 ratio110% standard$7,997 / 0.85 ratio
0.77
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 92135 (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.

92135 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92135 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 92135 FMR, 92135 fair market rent, and 92135 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 92135
Bedroom sizeHUD FMR
Studio$3,430
1 bedroom$3,690
2 bedroom$4,500
3 bedroom$5,990
4 bedroom$7,270