San Bernardino County/Yucca Valley/92286

92286

ZIPSAFMR

San Bernardino County, CA

ZIP Investment Score

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$1,560	$1,330	2.2%
1 BR	$1,650	$1,630	1.9%
2 BR	$2,040	$2,130	1.7%
3 BR	$2,690	$2,270	1.0%
4 BR	$3,240	$2,690	0.5%
5 BR	$3,726	Not available	0.5%
6 BR	$4,285	Not available	0.5%
7 BR	$4,928	Not available	0.5%
8 BR	$5,667	Not available	0.5%

Purchase Price Calculator

Maximum purchase price

$254,601

Cost breakdown

+Likely effective rent$2,130

HUD FMR$2,040

Market rent$2,180

Est. payment standard (104%)Used$2,130

-Principal and interest-$1,287

Loan amount$203,681

Down payment$50,920

Rate6.50%

Term30 years

-Operating costs-$643

Property taxes-$255

Insurance-$175

Utilities$0

HOA$0

Management-$213

=Target cash flow+$200

Calculation mode

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

Hold period projections

Annual appreciation rate

3-year hold

+$34,074(66.9% ROI)

Projected value

$274,177

Return breakdown

Property appreciation+$19,576

Loan principal paid down+$7,297

Rental cash flow+$7,200

5-year hold

+$58,470(114.8% ROI)

Projected value

$288,057

Return breakdown

Property appreciation+$33,457

Loan principal paid down+$13,013

Rental cash flow+$12,000

10-year hold

+$126,318(248.1% ROI)

Projected value

$325,910

Return breakdown

Property appreciation+$71,310

Loan principal paid down+$31,008

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

1.17ratio

FMR$1,560

Market$1,330

vs market+$230

FMR is above market; underwrite to market rent.

1.17

1 BR

1.01ratio

FMR$1,650

Market$1,630

vs market+$20

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

1.01

2 BR

0.94ratio

FMR$2,040

Market$2,180

vs market-$140

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

0.94

3 BR

1.19ratio

FMR$2,690

Market$2,270

vs market+$420

FMR is above market; underwrite to market rent.

1.19

4 BR

1.20ratio

FMR$3,240

Market$2,690

vs market+$550

FMR is above market; underwrite to market rent.

1.20

0.700.800.901.001.101.201.30aligned range

Historical

FY 2023-2027

FMR: FY2027
Market rent: last ~365 days
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 92286 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 92286 (Yucca Valley, CA) is $2,040 a month. That is down 4.2% from $2,130 in FY 2026. Yucca Valley is in the Riverside-San Bernardino-Ontario, CA MSA. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $2,103. Among 114 ZIP codes in San Bernardino County, 92286 is tied for the 35th-highest two-bedroom rent (county range $1,870–$3,150). The median county two-bedroom FMR in California is $1,725, so ZIP 92286 is 18% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 92286
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$1,640	$1,560	−4.9%	$1,404–$1,716
1BR	$1,720	$1,650	−4.1%	$1,485–$1,815
2BR	$2,130	$2,040	−4.2%	$1,836–$2,244
3BR	$2,820	$2,690	−4.6%	$2,421–$2,959
4BR	$3,400	$3,240	−4.7%	$2,916–$3,564

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 92286
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$1,560	$1,650	$2,040	$2,690	$3,240
FY 2026	$1,640	$1,720	$2,130	$2,820	$3,400
FY 2025	$1,720	$1,790	$2,230	$2,980	$3,620
FY 2024	$1,460	$1,560	$1,940	$2,610	$3,190
FY 2023	$1,240	$1,360	$1,700	$2,310	$2,840

Two-bedroom rent in nearby San Bernardino County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 92286
92267	$1,990	−2.5%
92268	$1,990	−2.5%
92277	$1,990	−2.5%
92278	$1,990	−2.5%
92280	$2,040	0.0%
92284	$1,990	−2.5%
92285	$1,990	−2.5%
92286Current	$2,040	—
92301	$1,870	−8.3%
92304	$2,040	0.0%
92305	$1,990	−2.5%
92307	$1,990	−2.5%

Questions about ZIP 92286 rents

How much will Section 8 pay for a two-bedroom in ZIP 92286?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,103, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,893 to $2,313 a month; under the ZIP-level Small Area FMR of $2,040 it would be $1,836 to $2,244. 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 92286 in?

ZIP 92286 is in the Riverside-San Bernardino-Ontario, CA MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,103.

How much did fair market rent change in ZIP 92286 for FY 2027?

The two-bedroom FMR fell 4.2%, from $2,130 in FY 2026 to $2,040 in FY 2027. Since FY 2023 it has risen 20.0%.

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

County fair market rent Yucca Valley, CA fair market rent CA statewide rents What is SAFMR?Data sources