92140
ZIPSAFMR
San Diego County, CA
BRFMR
Eff. Rent
0 BR$3,080$2,220
1 BR$3,310$2,970
2 BR$4,040$3,640
3 BR$5,380$5,060
4 BR$6,520$6,400
5 BR$7,498
6 BR$8,623
7 BR$9,916
8 BR$11,404

Purchase Price Calculator

Maximum purchase price
$478,986

Cost breakdown

+Likely effective rent$3,640
HUD FMR$4,040
Market rentUsed$3,640
Est. payment standard (94%)$3,780
Market rent is below the inferred standard ($3,780, 94% of FMR).
-Principal and interest-$2,422
Loan amount$383,189
Down payment$95,797
Rate6.50%
Term30 years
-Operating costs-$1,018
Property taxes-$479
Insurance-$175
Utilities$0
HOA$0
Management-$364
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$57,758(60.3% ROI)
Projected value
$515,816
Current value$478,986
Return breakdown
Property appreciation+$36,830
Loan principal paid down+$13,729
Rental cash flow+$7,200
5-year hold
+$99,425(103.8% ROI)
Projected value
$541,929
Current value$478,986
Return breakdown
Property appreciation+$62,943
Loan principal paid down+$24,482
Rental cash flow+$12,000
10-year hold
+$216,493(226.0% ROI)
Projected value
$613,143
Current value$478,986
Return breakdown
Property appreciation+$134,157
Loan principal paid down+$58,336
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
1.39ratio
FMR$3,080
Market$2,220
vs market+$860

FMR is above market; underwrite to market rent.

90% standard$2,772 / 1.25 ratio110% standard$3,388 / 1.53 ratio
1.39
1 BR
1 BR
1.11ratio
FMR$3,310
Market$2,970
vs market+$340

FMR is above market; underwrite to market rent.

90% standard$2,979 / 1.00 ratio110% standard$3,641 / 1.23 ratio
1.11
2 BR
2 BR
1.11ratio
FMR$4,040
Market$3,640
vs market+$400

FMR is above market; underwrite to market rent.

90% standard$3,636 / 1.00 ratio110% standard$4,444 / 1.22 ratio
1.11
3 BR
3 BR
1.06ratio
FMR$5,380
Market$5,060
vs market+$320

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

90% standard$4,842 / 0.96 ratio110% standard$5,918 / 1.17 ratio
1.06
4 BR
4 BR
1.02ratio
FMR$6,520
Market$6,400
vs market+$120

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

90% standard$5,868 / 0.92 ratio110% standard$7,172 / 1.12 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 92140 (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.

92140 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92140 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $4,040 and the 4 bedroom fair market rent is $6,520.

Use this page for searches like 92140 FMR, 92140 fair market rent, and 92140 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 92140
Bedroom sizeHUD FMR
Studio$3,080
1 bedroom$3,310
2 bedroom$4,040
3 bedroom$5,380
4 bedroom$6,520