92145
ZIPSAFMR
San Diego County, CA
BRFMR
Eff. Rent
0 BR$2,760$2,230
1 BR$2,970$2,340
2 BR$3,630$3,490
3 BR$4,830$3,640
4 BR$5,860$4,690
5 BR$6,739
6 BR$7,750
7 BR$8,912
8 BR$10,249

Purchase Price Calculator

Maximum purchase price
$456,696

Cost breakdown

+Likely effective rent$3,490
HUD FMR$3,630
Market rentUsed$3,490
Est. payment standard (97%)$3,540
Market rent is below the inferred standard ($3,540, 97% of FMR).
-Principal and interest-$2,309
Loan amount$365,357
Down payment$91,339
Rate6.50%
Term30 years
-Operating costs-$981
Property taxes-$457
Insurance-$175
Utilities$0
HOA$0
Management-$349
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$55,405(60.7% ROI)
Projected value
$491,812
Current value$456,696
Return breakdown
Property appreciation+$35,116
Loan principal paid down+$13,090
Rental cash flow+$7,200
5-year hold
+$95,356(104.4% ROI)
Projected value
$516,710
Current value$456,696
Return breakdown
Property appreciation+$60,014
Loan principal paid down+$23,343
Rental cash flow+$12,000
10-year hold
+$207,535(227.2% ROI)
Projected value
$584,610
Current value$456,696
Return breakdown
Property appreciation+$127,914
Loan principal paid down+$55,621
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
1.24ratio
FMR$2,760
Market$2,230
vs market+$530

FMR is above market; underwrite to market rent.

90% standard$2,484 / 1.11 ratio110% standard$3,036 / 1.36 ratio
1.24
1 BR
1 BR
1.27ratio
FMR$2,970
Market$2,340
vs market+$630

FMR is above market; underwrite to market rent.

90% standard$2,673 / 1.14 ratio110% standard$3,267 / 1.40 ratio
1.27
2 BR
2 BR
1.04ratio
FMR$3,630
Market$3,490
vs market+$140

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

90% standard$3,267 / 0.94 ratio110% standard$3,993 / 1.14 ratio
1.04
3 BR
3 BR
1.33ratio
FMR$4,830
Market$3,640
vs market+$1,190

FMR is above market; underwrite to market rent.

90% standard$4,347 / 1.19 ratio110% standard$5,313 / 1.46 ratio
1.33
4 BR
4 BR
1.25ratio
FMR$5,860
Market$4,690
vs market+$1,170

FMR is above market; underwrite to market rent.

90% standard$5,274 / 1.12 ratio110% standard$6,446 / 1.37 ratio
1.25
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 92145 (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.

92145 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92145 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,630 and the 4 bedroom fair market rent is $5,860.

Use this page for searches like 92145 FMR, 92145 fair market rent, and 92145 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 92145
Bedroom sizeHUD FMR
Studio$2,760
1 bedroom$2,970
2 bedroom$3,630
3 bedroom$4,830
4 bedroom$5,860