92782
ZIPSAFMR
Orange County, CA
BRFMR
Eff. Rent
0 BR$3,120$2,460
1 BR$3,200$2,740
2 BR$3,770$3,760
3 BR$5,120$4,370
4 BR$6,110$5,060
5 BR$7,026
6 BR$8,080
7 BR$9,293
8 BR$10,686

Purchase Price Calculator

Maximum purchase price
$496,818

Cost breakdown

+Likely effective rent$3,760
HUD FMR$3,770
Market rentUsed$3,760
Est. payment standard (100%)$3,760
Market rent is below the inferred standard ($3,760, 100% of FMR).
-Principal and interest-$2,512
Loan amount$397,454
Down payment$99,364
Rate6.50%
Term30 years
-Operating costs-$1,048
Property taxes-$497
Insurance-$175
Utilities$0
HOA$0
Management-$376
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$59,640(60.0% ROI)
Projected value
$535,019
Current value$496,818
Return breakdown
Property appreciation+$38,201
Loan principal paid down+$14,240
Rental cash flow+$7,200
5-year hold
+$102,679(103.3% ROI)
Projected value
$562,104
Current value$496,818
Return breakdown
Property appreciation+$65,286
Loan principal paid down+$25,393
Rental cash flow+$12,000
10-year hold
+$223,659(225.1% ROI)
Projected value
$635,969
Current value$496,818
Return breakdown
Property appreciation+$139,151
Loan principal paid down+$60,508
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
1.27ratio
FMR$3,120
Market$2,460
vs market+$660

FMR is above market; underwrite to market rent.

90% standard$2,808 / 1.14 ratio110% standard$3,432 / 1.40 ratio
1.27
1 BR
1 BR
1.17ratio
FMR$3,200
Market$2,740
vs market+$460

FMR is above market; underwrite to market rent.

90% standard$2,880 / 1.05 ratio110% standard$3,520 / 1.28 ratio
1.17
2 BR
2 BR
1.00ratio
FMR$3,770
Market$3,760
vs market+$10

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

90% standard$3,393 / 0.90 ratio110% standard$4,147 / 1.10 ratio
1.00
3 BR
3 BR
1.17ratio
FMR$5,120
Market$4,370
vs market+$750

FMR is above market; underwrite to market rent.

90% standard$4,608 / 1.05 ratio110% standard$5,632 / 1.29 ratio
1.17
4 BR
4 BR
1.21ratio
FMR$6,110
Market$5,060
vs market+$1,050

FMR is above market; underwrite to market rent.

90% standard$5,499 / 1.09 ratio110% standard$6,721 / 1.33 ratio
1.21
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 92782 (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.

92782 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92782 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,770 and the 4 bedroom fair market rent is $6,110.

Use this page for searches like 92782 FMR, 92782 fair market rent, and 92782 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 92782
Bedroom sizeHUD FMR
Studio$3,120
1 bedroom$3,200
2 bedroom$3,770
3 bedroom$5,120
4 bedroom$6,110