92649
ZIPSAFMR
Orange County, CA
BRFMR
Eff. Rent
0 BR$2,770$2,420
1 BR$2,830$2,640
2 BR$3,340$3,330
3 BR$4,530$4,690
4 BR$5,410$5,950
5 BR$6,221
6 BR$7,155
7 BR$8,228
8 BR$9,462

Purchase Price Calculator

Maximum purchase price
$432,920

Cost breakdown

+Likely effective rent$3,330
HUD FMR$3,340
Market rentUsed$3,330
Est. payment standard (100%)$3,330
Market rent is below the inferred standard ($3,330, 100% of FMR).
-Principal and interest-$2,189
Loan amount$346,336
Down payment$86,584
Rate6.50%
Term30 years
-Operating costs-$941
Property taxes-$433
Insurance-$175
Utilities$0
HOA$0
Management-$333
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$52,896(61.1% ROI)
Projected value
$466,208
Current value$432,920
Return breakdown
Property appreciation+$33,288
Loan principal paid down+$12,408
Rental cash flow+$7,200
5-year hold
+$91,017(105.1% ROI)
Projected value
$489,809
Current value$432,920
Return breakdown
Property appreciation+$56,889
Loan principal paid down+$22,127
Rental cash flow+$12,000
10-year hold
+$197,980(228.7% ROI)
Projected value
$554,174
Current value$432,920
Return breakdown
Property appreciation+$121,254
Loan principal paid down+$52,726
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
1.14ratio
FMR$2,770
Market$2,420
vs market+$350

FMR is above market; underwrite to market rent.

90% standard$2,493 / 1.03 ratio110% standard$3,047 / 1.26 ratio
1.14
1 BR
1 BR
1.07ratio
FMR$2,830
Market$2,640
vs market+$190

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

90% standard$2,547 / 0.96 ratio110% standard$3,113 / 1.18 ratio
1.07
2 BR
2 BR
1.00ratio
FMR$3,340
Market$3,330
vs market+$10

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

90% standard$3,006 / 0.90 ratio110% standard$3,674 / 1.10 ratio
1.00
3 BR
3 BR
0.95ratio
FMR$4,530
Market$4,780
vs market-$250

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

90% standard$4,077 / 0.85 ratio110% standard$4,983 / 1.04 ratio
0.95
4 BR
4 BR
0.83ratio
FMR$5,410
Market$6,480
vs market-$1,070

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

90% standard$4,869 / 0.75 ratio110% standard$5,951 / 0.92 ratio
0.83
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 92649 (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.

92649 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92649 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,340 and the 4 bedroom fair market rent is $5,410.

Use this page for searches like 92649 FMR, 92649 fair market rent, and 92649 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 92649
Bedroom sizeHUD FMR
Studio$2,770
1 bedroom$2,830
2 bedroom$3,340
3 bedroom$4,530
4 bedroom$5,410