FMR is near market; voucher and private rents are aligned.
0.98
3 BR
3 BR
1.24ratio
FMR$4,520
Market$3,640
vs market+$880
FMR is above market; underwrite to market rent.
1.24
4 BR
4 BR
1.17ratio
FMR$5,470
Market$4,690
vs market+$780
FMR is above market; underwrite to market rent.
1.17
0.700.800.901.001.101.201.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
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Tax rate
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Mortgage rate
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ZIP 92145 fair market rent, FY 2027
For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 92145 (San Diego, CA) is $3,410 a month. That is down 6.1% from $3,630 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, 92145 is tied for the 28th-highest two-bedroom rent (county range $1,750–$4,230). The median county two-bedroom FMR in California is $1,725, so ZIP 92145 is 98% above it.
FY 2027 rent by bedroom
FY 2027 fair market rent by bedroom for 92145
Bedrooms
FY 2026
FY 2027
Change
90–110% range
Studio
$2,760
$2,650
−4.0%
$2,385–$2,915
1BR
$2,970
$2,820
−5.1%
$2,538–$3,102
2BR
$3,630
$3,410
−6.1%
$3,069–$3,751
3BR
$4,830
$4,520
−6.4%
$4,068–$4,972
4BR
$5,860
$5,470
−6.7%
$4,923–$6,017
Fair market rent history, FY 2023–2027
Fair market rent by fiscal year for 92145
Fiscal year
Studio
1BR
2BR
3BR
4BR
FY 2027
$2,650
$2,820
$3,410
$4,520
$5,470
FY 2026
$2,760
$2,970
$3,630
$4,830
$5,860
FY 2025
$2,520
$2,740
$3,390
$4,530
$5,520
FY 2024
$2,220
$2,420
$3,050
$4,110
$4,990
FY 2023
$1,390
$1,520
$1,940
$2,650
$3,220
Two-bedroom rent in nearby San Diego County ZIP codes
How much will Section 8 pay for a two-bedroom in ZIP 92145?
Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $3,410, that basic range is $3,069 to $3,751 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 92145 in?
ZIP 92145 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 92145 for FY 2027?
The two-bedroom FMR fell 6.1%, from $3,630 in FY 2026 to $3,410 in FY 2027. Since FY 2023 it has risen 75.8%.
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