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

Market Alignment

How HUD fair market rents align with the state of the rental market.

Studio
Studio
1.24ratio
FMR$2,760
Market$2,230
vs market+$530

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.24
1 BR
1 BR
1.27ratio
FMR$2,970
Market$2,340
vs market+$630

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.27
2 BR
2 BR
1.04ratio
FMR$3,630
Market$3,490
vs market+$140

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1.04
3 BR
3 BR
1.33ratio
FMR$4,830
Market$3,640
vs market+$1,190

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.33
4 BR
4 BR
1.25ratio
FMR$5,860
Market$4,690
vs market+$1,170

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.25
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit sizes.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$477,500
Rent
$3,630
Down payment
$95,500
Loan
$382,000
Mortgage
$2,414
Expenses
$1,016
Market inputs
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.