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Orange County/Newport Beach/92663

92663

ZIPSAFMR
Orange County, CA
Zillow

ZIP Investment Score

24Below average

095130300
BRFMR
Eff. Rent
0 BR$2,990$3,120
1 BR$3,020$3,320
2 BR$3,540$3,890
3 BR$4,810$5,290
4 BR$5,750$6,330
5 BR$6,612Not available
6 BR$7,604Not available
7 BR$8,745Not available
8 BR$10,057Not available

Purchase Price Calculator

Maximum purchase price
$516,136

Cost breakdown

+Likely effective rent$3,890
HUD FMR$3,540
Market rent$5,790
Est. payment standard (110%)Used$3,890
-Principal and interest-$2,610
Loan amount$412,909
Down payment$103,227
Rate6.50%
Term30 years
-Operating costs-$1,080
Property taxes-$516
Insurance-$175
Utilities$0
HOA$0
Management-$389
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$61,680(59.8% ROI)
Projected value
$555,822
Return breakdown
Property appreciation+$39,686
Loan principal paid down+$14,794
Rental cash flow+$7,200
5-year hold
+$106,205(102.9% ROI)
Projected value
$583,960
Return breakdown
Property appreciation+$67,824
Loan principal paid down+$26,381
Rental cash flow+$12,000
10-year hold
+$231,422(224.2% ROI)
Projected value
$660,698
Return breakdown
Property appreciation+$144,562
Loan principal paid down+$62,861
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.94
1 BR
0.77
2 BR
0.61
3 BR
0.63
4 BR
0.50
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 92663 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 92663 (Newport Beach, CA) is $3,540 a month. That is down 1.1% from $3,580 in FY 2026. Newport Beach is in the Santa Ana-Anaheim-Irvine, CA HUD Metro FMR Area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $3,057. Among 143 ZIP codes in Orange County, 92663 has the 28th-highest two-bedroom rent (county range $2,690–$4,590). The median county two-bedroom FMR in California is $1,725, so ZIP 92663 is 105% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 92663
BedroomsFY 2027Change90–110% range
Studio$2,990+0.7%$2,691–$3,289
1BR$3,020−0.7%$2,718–$3,322
2BR$3,540−1.1%$3,186–$3,894
3BR$4,810−1.0%$4,329–$5,291
4BR$5,750−0.9%$5,175–$6,325

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 92663
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,990$3,020$3,540$4,810$5,750
FY 2026$2,970$3,040$3,580$4,860$5,800
FY 2025$2,530$2,640$3,120$4,220$5,040
FY 2024$2,310$2,460$2,920$3,950$4,690
FY 2023$2,030$2,210$2,660$3,610$4,220

Two-bedroom rent in nearby Orange County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 92663
92653$3,370−4.8%
92654$3,060−13.6%
92655$2,920−17.5%
92656$3,750+5.9%
92657$4,170+17.8%
92658$3,060−13.6%
92659$3,060−13.6%
92660$4,590+29.7%
92661$3,590+1.4%
92662$3,400−4.0%
92663Current$3,540—
92672$3,140−11.3%

Questions about ZIP 92663 rents

How much will Section 8 pay for a two-bedroom in ZIP 92663?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $3,057, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,751 to $3,363 a month; under the ZIP-level Small Area FMR of $3,540 it would be $3,186 to $3,894. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 92663 in?

ZIP 92663 is in the Santa Ana-Anaheim-Irvine, CA HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $3,057.

How much did fair market rent change in ZIP 92663 for FY 2027?

The two-bedroom FMR fell 1.1%, from $3,580 in FY 2026 to $3,540 in FY 2027. Since FY 2023 it has risen 33.1%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentNewport Beach, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources