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San Bernardino County/Sugarloaf/92386

92386

ZIPSAFMR
San Bernardino County, CA
Zillow

ZIP Investment Score

132High yield potential

095130300
BRFMR
Eff. Rent
0 BR$1,850$1,440
1 BR$1,960$1,580
2 BR$2,420$1,920
3 BR$3,190$2,640
4 BR$3,840$2,570
5 BR$4,416Not available
6 BR$5,078Not available
7 BR$5,840Not available
8 BR$6,716Not available

Purchase Price Calculator

Maximum purchase price
$223,395

Cost breakdown

+Likely effective rent$1,920
HUD FMR$2,420
Market rentUsed$1,920
Est. payment standard (90%)$2,180
-Principal and interest-$1,130
Loan amount$178,716
Down payment$44,679
Rate6.50%
Term30 years
-Operating costs-$590
Property taxes-$223
Insurance-$175
Utilities$0
HOA$0
Management-$192
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,780(68.9% ROI)
Projected value
$240,572
Return breakdown
Property appreciation+$17,177
Loan principal paid down+$6,403
Rental cash flow+$7,200
5-year hold
+$52,774(118.1% ROI)
Projected value
$252,751
Return breakdown
Property appreciation+$29,356
Loan principal paid down+$11,418
Rental cash flow+$12,000
10-year hold
+$113,777(254.7% ROI)
Projected value
$285,964
Return breakdown
Property appreciation+$62,569
Loan principal paid down+$27,207
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.28
1 BR
1.24
2 BR
1.26
3 BR
1.21
4 BR
1.49
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 92386 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 92386 (Sugarloaf, CA) is $2,420 a month. That is down 3.2% from $2,500 in FY 2026. Sugarloaf 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, 92386 has the 16th-highest two-bedroom rent (county range $1,870–$3,150). The median county two-bedroom FMR in California is $1,725, so ZIP 92386 is 40% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 92386
BedroomsFY 2027Change90–110% range
Studio$1,850−3.6%$1,665–$2,035
1BR$1,960−3.0%$1,764–$2,156
2BR$2,420−3.2%$2,178–$2,662
3BR$3,190−3.6%$2,871–$3,509
4BR$3,840−3.8%$3,456–$4,224

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 92386
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,850$1,960$2,420$3,190$3,840
FY 2026$1,920$2,020$2,500$3,310$3,990
FY 2025$1,820$1,900$2,360$3,150$3,830
FY 2024$1,390$1,470$1,840$2,480$3,020
FY 2023$1,070$1,170$1,460$1,980$2,440

Two-bedroom rent in nearby San Bernardino County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 92386
92375$2,040−15.7%
92376$2,050−15.3%
92377$2,820+16.5%
92378$1,990−17.8%
92382$2,110−12.8%
92385$1,990−17.8%
92386Current$2,420—
92391$1,990−17.8%
92392$2,100−13.2%
92393$2,040−15.7%
92394$1,990−17.8%
92395$1,990−17.8%

Questions about ZIP 92386 rents

How much will Section 8 pay for a two-bedroom in ZIP 92386?

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 $2,420 it would be $2,178 to $2,662. 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 92386 in?

ZIP 92386 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 92386 for FY 2027?

The two-bedroom FMR fell 3.2%, from $2,500 in FY 2026 to $2,420 in FY 2027. Since FY 2023 it has risen 65.8%.

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

County fair market rentSugarloaf, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources