92612
ZIPSAFMR
Orange County, CA
BRFMR
Eff. Rent
0 BR$3,410$2,470
1 BR$3,490$2,720
2 BR$4,110$3,940
3 BR$5,580$4,800
4 BR$6,660$5,340
5 BR$7,659
6 BR$8,808
7 BR$10,129
8 BR$11,648

Purchase Price Calculator

Maximum purchase price
$523,566

Cost breakdown

+Likely effective rent$3,940
HUD FMR$4,110
Market rentUsed$3,940
Est. payment standard (97%)$4,000
Market rent is below the inferred standard ($4,000, 97% of FMR).
-Principal and interest-$2,647
Loan amount$418,853
Down payment$104,713
Rate6.50%
Term30 years
-Operating costs-$1,093
Property taxes-$524
Insurance-$175
Utilities$0
HOA$0
Management-$394
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$62,464(59.7% ROI)
Projected value
$563,823
Current value$523,566
Return breakdown
Property appreciation+$40,257
Loan principal paid down+$15,006
Rental cash flow+$7,200
5-year hold
+$107,561(102.7% ROI)
Projected value
$592,367
Current value$523,566
Return breakdown
Property appreciation+$68,801
Loan principal paid down+$26,761
Rental cash flow+$12,000
10-year hold
+$234,408(223.9% ROI)
Projected value
$670,209
Current value$523,566
Return breakdown
Property appreciation+$146,643
Loan principal paid down+$63,766
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
1.38ratio
FMR$3,410
Market$2,470
vs market+$940

FMR is above market; underwrite to market rent.

90% standard$3,069 / 1.24 ratio110% standard$3,751 / 1.52 ratio
1.38
1 BR
1 BR
1.28ratio
FMR$3,490
Market$2,720
vs market+$770

FMR is above market; underwrite to market rent.

90% standard$3,141 / 1.15 ratio110% standard$3,839 / 1.41 ratio
1.28
2 BR
2 BR
1.04ratio
FMR$4,110
Market$3,940
vs market+$170

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

90% standard$3,699 / 0.94 ratio110% standard$4,521 / 1.15 ratio
1.04
3 BR
3 BR
1.16ratio
FMR$5,580
Market$4,800
vs market+$780

FMR is above market; underwrite to market rent.

90% standard$5,022 / 1.05 ratio110% standard$6,138 / 1.28 ratio
1.16
4 BR
4 BR
1.25ratio
FMR$6,660
Market$5,340
vs market+$1,320

FMR is above market; underwrite to market rent.

90% standard$5,994 / 1.12 ratio110% standard$7,326 / 1.37 ratio
1.25
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 92612 (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.

92612 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92612 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $4,110 and the 4 bedroom fair market rent is $6,660.

Use this page for searches like 92612 FMR, 92612 fair market rent, and 92612 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 92612
Bedroom sizeHUD FMR
Studio$3,410
1 bedroom$3,490
2 bedroom$4,110
3 bedroom$5,580
4 bedroom$6,660