92780
ZIPSAFMR
Orange County, CA
BRFMR
Eff. Rent
0 BR$2,560$2,270
1 BR$2,620$2,510
2 BR$3,090$3,290
3 BR$4,190$3,960
4 BR$5,010$4,740
5 BR$5,762
6 BR$6,626
7 BR$7,620
8 BR$8,763

Purchase Price Calculator

Maximum purchase price
$426,976

Cost breakdown

+Likely effective rent$3,290
HUD FMR$3,090
Market rent$3,390
Est. payment standard (106%)Used$3,290
Estimated payment standard is $3,290 (106% of FMR).
-Principal and interest-$2,159
Loan amount$341,581
Down payment$85,395
Rate6.50%
Term30 years
-Operating costs-$931
Property taxes-$427
Insurance-$175
Utilities$0
HOA$0
Management-$329
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$52,268(61.2% ROI)
Projected value
$459,807
Current value$426,976
Return breakdown
Property appreciation+$32,830
Loan principal paid down+$12,238
Rental cash flow+$7,200
5-year hold
+$89,932(105.3% ROI)
Projected value
$483,084
Current value$426,976
Return breakdown
Property appreciation+$56,108
Loan principal paid down+$21,824
Rental cash flow+$12,000
10-year hold
+$195,591(229.0% ROI)
Projected value
$546,566
Current value$426,976
Return breakdown
Property appreciation+$119,589
Loan principal paid down+$52,002
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
1.13ratio
FMR$2,560
Market$2,270
vs market+$290

FMR is above market; underwrite to market rent.

90% standard$2,304 / 1.01 ratio110% standard$2,816 / 1.24 ratio
1.13
1 BR
1 BR
1.04ratio
FMR$2,620
Market$2,510
vs market+$110

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

90% standard$2,358 / 0.94 ratio110% standard$2,882 / 1.15 ratio
1.04
2 BR
2 BR
0.91ratio
FMR$3,090
Market$3,390
vs market-$300

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

90% standard$2,781 / 0.82 ratio110% standard$3,399 / 1.00 ratio
0.91
3 BR
3 BR
1.06ratio
FMR$4,190
Market$3,960
vs market+$230

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

90% standard$3,771 / 0.95 ratio110% standard$4,609 / 1.16 ratio
1.06
4 BR
4 BR
1.06ratio
FMR$5,010
Market$4,740
vs market+$270

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

90% standard$4,509 / 0.95 ratio110% standard$5,511 / 1.16 ratio
1.06
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 92780 (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.

92780 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92780 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,090 and the 4 bedroom fair market rent is $5,010.

Use this page for searches like 92780 FMR, 92780 fair market rent, and 92780 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 92780
Bedroom sizeHUD FMR
Studio$2,560
1 bedroom$2,620
2 bedroom$3,090
3 bedroom$4,190
4 bedroom$5,010