92604
ZIPSAFMR
Orange County, CA
BRFMR
Eff. Rent
0 BR$3,210$2,420
1 BR$3,280$2,720
2 BR$3,870$4,090
3 BR$5,250$4,310
4 BR$6,270$5,460
5 BR$7,210
6 BR$8,292
7 BR$9,536
8 BR$10,966

Purchase Price Calculator

Maximum purchase price
$545,856

Cost breakdown

+Likely effective rent$4,090
HUD FMR$3,870
Market rent$4,210
Est. payment standard (106%)Used$4,090
Estimated payment standard is $4,090 (106% of FMR).
-Principal and interest-$2,760
Loan amount$436,685
Down payment$109,171
Rate6.50%
Term30 years
-Operating costs-$1,130
Property taxes-$546
Insurance-$175
Utilities$0
HOA$0
Management-$409
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$64,817(59.4% ROI)
Projected value
$587,827
Current value$545,856
Return breakdown
Property appreciation+$41,971
Loan principal paid down+$15,645
Rental cash flow+$7,200
5-year hold
+$111,630(102.3% ROI)
Projected value
$617,586
Current value$545,856
Return breakdown
Property appreciation+$71,730
Loan principal paid down+$27,900
Rental cash flow+$12,000
10-year hold
+$243,366(222.9% ROI)
Projected value
$698,742
Current value$545,856
Return breakdown
Property appreciation+$152,886
Loan principal paid down+$66,480
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
1.33ratio
FMR$3,210
Market$2,420
vs market+$790

FMR is above market; underwrite to market rent.

90% standard$2,889 / 1.19 ratio110% standard$3,531 / 1.46 ratio
1.33
1 BR
1 BR
1.21ratio
FMR$3,280
Market$2,720
vs market+$560

FMR is above market; underwrite to market rent.

90% standard$2,952 / 1.09 ratio110% standard$3,608 / 1.33 ratio
1.21
2 BR
2 BR
0.92ratio
FMR$3,870
Market$4,210
vs market-$340

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

90% standard$3,483 / 0.83 ratio110% standard$4,257 / 1.01 ratio
0.92
3 BR
3 BR
1.22ratio
FMR$5,250
Market$4,310
vs market+$940

FMR is above market; underwrite to market rent.

90% standard$4,725 / 1.10 ratio110% standard$5,775 / 1.34 ratio
1.22
4 BR
4 BR
1.15ratio
FMR$6,270
Market$5,460
vs market+$810

FMR is above market; underwrite to market rent.

90% standard$5,643 / 1.03 ratio110% standard$6,897 / 1.26 ratio
1.15
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 92604 (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.

92604 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92604 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,870 and the 4 bedroom fair market rent is $6,270.

Use this page for searches like 92604 FMR, 92604 fair market rent, and 92604 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 92604
Bedroom sizeHUD FMR
Studio$3,210
1 bedroom$3,280
2 bedroom$3,870
3 bedroom$5,250
4 bedroom$6,270