92154
ZIPSAFMR
San Diego County, CA
BRFMR
Eff. Rent
0 BR$2,250$2,190
1 BR$2,420$2,320
2 BR$2,950$3,040
3 BR$3,930$3,590
4 BR$4,760$4,200
5 BR$5,474
6 BR$6,295
7 BR$7,239
8 BR$8,325

Purchase Price Calculator

Maximum purchase price
$389,826

Cost breakdown

+Likely effective rent$3,040
HUD FMR$2,950
Market rent$3,090
Est. payment standard (103%)Used$3,040
Estimated payment standard is $3,040 (103% of FMR).
-Principal and interest-$1,971
Loan amount$311,861
Down payment$77,965
Rate6.50%
Term30 years
-Operating costs-$869
Property taxes-$390
Insurance-$175
Utilities$0
HOA$0
Management-$304
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$48,347(62.0% ROI)
Projected value
$419,800
Current value$389,826
Return breakdown
Property appreciation+$29,974
Loan principal paid down+$11,173
Rental cash flow+$7,200
5-year hold
+$83,151(106.7% ROI)
Projected value
$441,053
Current value$389,826
Return breakdown
Property appreciation+$51,226
Loan principal paid down+$19,925
Rental cash flow+$12,000
10-year hold
+$180,662(231.7% ROI)
Projected value
$499,011
Current value$389,826
Return breakdown
Property appreciation+$109,184
Loan principal paid down+$47,477
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
1.03ratio
FMR$2,250
Market$2,190
vs market+$60

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

90% standard$2,025 / 0.92 ratio110% standard$2,475 / 1.13 ratio
1.03
1 BR
1 BR
1.04ratio
FMR$2,420
Market$2,320
vs market+$100

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

90% standard$2,178 / 0.94 ratio110% standard$2,662 / 1.15 ratio
1.04
2 BR
2 BR
0.95ratio
FMR$2,950
Market$3,090
vs market-$140

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

90% standard$2,655 / 0.86 ratio110% standard$3,245 / 1.05 ratio
0.95
3 BR
3 BR
1.09ratio
FMR$3,930
Market$3,590
vs market+$340

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

90% standard$3,537 / 0.99 ratio110% standard$4,323 / 1.20 ratio
1.09
4 BR
4 BR
1.13ratio
FMR$4,760
Market$4,200
vs market+$560

FMR is above market; underwrite to market rent.

90% standard$4,284 / 1.02 ratio110% standard$5,236 / 1.25 ratio
1.13
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 92154 (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.

92154 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92154 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,950 and the 4 bedroom fair market rent is $4,760.

Use this page for searches like 92154 FMR, 92154 fair market rent, and 92154 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 92154
Bedroom sizeHUD FMR
Studio$2,250
1 bedroom$2,420
2 bedroom$2,950
3 bedroom$3,930
4 bedroom$4,760