92602
ZIPSAFMR
Orange County, CA
BRFMR
Eff. Rent
0 BR$3,270$2,580
1 BR$3,340$2,730
2 BR$3,940$3,350
3 BR$5,350$4,800
4 BR$6,390$6,560
5 BR$7,348
6 BR$8,451
7 BR$9,718
8 BR$11,176

Purchase Price Calculator

Maximum purchase price
$435,892

Cost breakdown

+Likely effective rent$3,350
HUD FMR$3,940
Market rentUsed$3,350
Est. payment standard (90%)$3,560
Market rent is below the inferred standard ($3,560, 90% of FMR).
-Principal and interest-$2,204
Loan amount$348,714
Down payment$87,178
Rate6.50%
Term30 years
-Operating costs-$946
Property taxes-$436
Insurance-$175
Utilities$0
HOA$0
Management-$335
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$53,210(61.0% ROI)
Projected value
$469,408
Current value$435,892
Return breakdown
Property appreciation+$33,516
Loan principal paid down+$12,494
Rental cash flow+$7,200
5-year hold
+$91,559(105.0% ROI)
Projected value
$493,172
Current value$435,892
Return breakdown
Property appreciation+$57,280
Loan principal paid down+$22,279
Rental cash flow+$12,000
10-year hold
+$199,174(228.5% ROI)
Projected value
$557,979
Current value$435,892
Return breakdown
Property appreciation+$122,087
Loan principal paid down+$53,088
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
1.27ratio
FMR$3,270
Market$2,580
vs market+$690

FMR is above market; underwrite to market rent.

90% standard$2,943 / 1.14 ratio110% standard$3,597 / 1.39 ratio
1.27
1 BR
1 BR
1.22ratio
FMR$3,340
Market$2,730
vs market+$610

FMR is above market; underwrite to market rent.

90% standard$3,006 / 1.10 ratio110% standard$3,674 / 1.35 ratio
1.22
2 BR
2 BR
1.18ratio
FMR$3,940
Market$3,350
vs market+$590

FMR is above market; underwrite to market rent.

90% standard$3,546 / 1.06 ratio110% standard$4,334 / 1.29 ratio
1.18
3 BR
3 BR
1.11ratio
FMR$5,350
Market$4,800
vs market+$550

FMR is above market; underwrite to market rent.

90% standard$4,815 / 1.00 ratio110% standard$5,885 / 1.23 ratio
1.11
4 BR
4 BR
0.96ratio
FMR$6,390
Market$6,650
vs market-$260

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

90% standard$5,751 / 0.86 ratio110% standard$7,029 / 1.06 ratio
0.96
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 92602 (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.

92602 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92602 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,940 and the 4 bedroom fair market rent is $6,390.

Use this page for searches like 92602 FMR, 92602 fair market rent, and 92602 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 92602
Bedroom sizeHUD FMR
Studio$3,270
1 bedroom$3,340
2 bedroom$3,940
3 bedroom$5,350
4 bedroom$6,390