92609
ZIPSAFMR
Orange County, CA
BRFMR
Eff. Rent
0 BR$2,690$2,750
1 BR$2,750$3,030
2 BR$3,240$3,560
3 BR$4,400$4,840
4 BR$5,250$5,780
5 BR$6,037
6 BR$6,943
7 BR$7,985
8 BR$9,182

Purchase Price Calculator

Maximum purchase price
$467,098

Cost breakdown

+Likely effective rent$3,560
HUD FMR$3,240
Market rent$4,470
Est. payment standard (110%)Used$3,560
Estimated payment standard is $3,560 (110% of FMR).
-Principal and interest-$2,362
Loan amount$373,678
Down payment$93,420
Rate6.50%
Term30 years
-Operating costs-$998
Property taxes-$467
Insurance-$175
Utilities$0
HOA$0
Management-$356
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$56,503(60.5% ROI)
Projected value
$503,014
Current value$467,098
Return breakdown
Property appreciation+$35,915
Loan principal paid down+$13,388
Rental cash flow+$7,200
5-year hold
+$97,255(104.1% ROI)
Projected value
$528,479
Current value$467,098
Return breakdown
Property appreciation+$61,381
Loan principal paid down+$23,874
Rental cash flow+$12,000
10-year hold
+$211,715(226.6% ROI)
Projected value
$597,925
Current value$467,098
Return breakdown
Property appreciation+$130,827
Loan principal paid down+$56,888
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
0.97ratio
FMR$2,690
Market$2,780
vs market-$90

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

90% standard$2,421 / 0.87 ratio110% standard$2,959 / 1.06 ratio
0.97
1 BR
1 BR
0.85ratio
FMR$2,750
Market$3,240
vs market-$490

FMR is below market; voucher rent may lag private rents.

90% standard$2,475 / 0.76 ratio110% standard$3,025 / 0.93 ratio
0.85
2 BR
2 BR
0.72ratio
FMR$3,240
Market$4,470
vs market-$1,230

FMR is below market; voucher rent may lag private rents.

90% standard$2,916 / 0.65 ratio110% standard$3,564 / 0.80 ratio
0.72
3 BR
3 BR
0.74ratio
FMR$4,400
Market$5,950
vs market-$1,550

FMR is below market; voucher rent may lag private rents.

90% standard$3,960 / 0.67 ratio110% standard$4,840 / 0.81 ratio
0.74
4 BR
4 BR
0.65ratio
FMR$5,250
Market$8,030
vs market-$2,780

FMR is below market; voucher rent may lag private rents.

90% standard$4,725 / 0.59 ratio110% standard$5,775 / 0.72 ratio
0.65
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 92609 (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.

92609 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92609 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,240 and the 4 bedroom fair market rent is $5,250.

Use this page for searches like 92609 FMR, 92609 fair market rent, and 92609 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 92609
Bedroom sizeHUD FMR
Studio$2,690
1 bedroom$2,750
2 bedroom$3,240
3 bedroom$4,400
4 bedroom$5,250