92801
ZIPSAFMR
Orange County, CA
BRFMR
Eff. Rent
0 BR$2,370$1,880
1 BR$2,430$2,250
2 BR$2,860$3,150
3 BR$3,880$3,740
4 BR$4,640$4,240
5 BR$5,336
6 BR$6,136
7 BR$7,057
8 BR$8,115

Purchase Price Calculator

Maximum purchase price
$406,172

Cost breakdown

+Likely effective rent$3,150
HUD FMR$2,860
Market rent$3,380
Est. payment standard (110%)Used$3,150
Estimated payment standard is $3,150 (110% of FMR).
-Principal and interest-$2,054
Loan amount$324,938
Down payment$81,234
Rate6.50%
Term30 years
-Operating costs-$896
Property taxes-$406
Insurance-$175
Utilities$0
HOA$0
Management-$315
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$50,073(61.6% ROI)
Projected value
$437,403
Current value$406,172
Return breakdown
Property appreciation+$31,231
Loan principal paid down+$11,642
Rental cash flow+$7,200
5-year hold
+$86,135(106.0% ROI)
Projected value
$459,547
Current value$406,172
Return breakdown
Property appreciation+$53,374
Loan principal paid down+$20,760
Rental cash flow+$12,000
10-year hold
+$187,231(230.5% ROI)
Projected value
$519,935
Current value$406,172
Return breakdown
Property appreciation+$113,763
Loan principal paid down+$49,468
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
1.26ratio
FMR$2,370
Market$1,880
vs market+$490

FMR is above market; underwrite to market rent.

90% standard$2,133 / 1.13 ratio110% standard$2,607 / 1.39 ratio
1.26
1 BR
1 BR
1.08ratio
FMR$2,430
Market$2,250
vs market+$180

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

90% standard$2,187 / 0.97 ratio110% standard$2,673 / 1.19 ratio
1.08
2 BR
2 BR
0.85ratio
FMR$2,860
Market$3,380
vs market-$520

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

90% standard$2,574 / 0.76 ratio110% standard$3,146 / 0.93 ratio
0.85
3 BR
3 BR
1.04ratio
FMR$3,880
Market$3,740
vs market+$140

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

90% standard$3,492 / 0.93 ratio110% standard$4,268 / 1.14 ratio
1.04
4 BR
4 BR
1.09ratio
FMR$4,640
Market$4,240
vs market+$400

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

90% standard$4,176 / 0.98 ratio110% standard$5,104 / 1.20 ratio
1.09
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 92801 (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.

92801 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92801 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,860 and the 4 bedroom fair market rent is $4,640.

Use this page for searches like 92801 FMR, 92801 fair market rent, and 92801 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 92801
Bedroom sizeHUD FMR
Studio$2,370
1 bedroom$2,430
2 bedroom$2,860
3 bedroom$3,880
4 bedroom$4,640