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San Bernardino County/San Bernardino/92405

92405

ZIPSAFMR
San Bernardino County, CA
Zillow

ZIP Investment Score

108Above average

095130300
BRFMR
Eff. Rent
0 BR$1,530$1,420
1 BR$1,600$1,550
2 BR$1,990$2,130
3 BR$2,630$2,750
4 BR$3,170$3,150
5 BR$3,645Not available
6 BR$4,192Not available
7 BR$4,821Not available
8 BR$5,544Not available

Purchase Price Calculator

Maximum purchase price
$254,601

Cost breakdown

+Likely effective rent$2,130
HUD FMR$1,990
Market rent$2,210
Est. payment standard (107%)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

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

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Rolodex

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Market Alignment

Studio
1.08
1 BR
1.03
2 BR
0.90
3 BR
0.93
4 BR
1.01
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 92405 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 92405 (San Bernardino, CA) is $1,990 a month. That is down 4.3% from $2,080 in FY 2026. San Bernardino 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, 92405 is tied for the 65th-highest two-bedroom rent (county range $1,870–$3,150). The median county two-bedroom FMR in California is $1,725, so ZIP 92405 is 15% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 92405
BedroomsFY 2027Change90–110% range
Studio$1,530−4.4%$1,377–$1,683
1BR$1,600−4.2%$1,440–$1,760
2BR$1,990−4.3%$1,791–$2,189
3BR$2,630−5.4%$2,367–$2,893
4BR$3,170−6.2%$2,853–$3,487

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 92405
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,530$1,600$1,990$2,630$3,170
FY 2026$1,600$1,670$2,080$2,780$3,380
FY 2025$1,450$1,510$1,880$2,510$3,050
FY 2024$1,220$1,300$1,620$2,180$2,660
FY 2023$1,030$1,130$1,410$1,910$2,350

Two-bedroom rent in nearby San Bernardino County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 92405
92398$1,9900.0%
92399$1,9900.0%
92401$1,9900.0%
92402$2,040+2.5%
92403$2,040+2.5%
92404$1,9900.0%
92405Current$1,990—
92406$2,040+2.5%
92407$2,290+15.1%
92408$1,9900.0%
92410$1,9900.0%
92411$1,9900.0%

Questions about ZIP 92405 rents

How much will Section 8 pay for a two-bedroom in ZIP 92405?

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 $1,990 it would be $1,791 to $2,189. 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 92405 in?

ZIP 92405 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 92405 for FY 2027?

The two-bedroom FMR fell 4.3%, from $2,080 in FY 2026 to $1,990 in FY 2027. Since FY 2023 it has risen 41.1%.

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 rentSan Bernardino, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources