92802
ZIPSAFMR
Orange County, CA
BRFMR
Eff. Rent
0 BR$2,380$2,090
1 BR$2,440$2,400
2 BR$2,870$3,030
3 BR$3,900$4,070
4 BR$4,650$4,550
5 BR$5,348
6 BR$6,150
7 BR$7,072
8 BR$8,133

Purchase Price Calculator

Maximum purchase price
$388,340

Cost breakdown

+Likely effective rent$3,030
HUD FMR$2,870
Market rent$3,110
Est. payment standard (105%)Used$3,030
Estimated payment standard is $3,030 (105% of FMR).
-Principal and interest-$1,964
Loan amount$310,672
Down payment$77,668
Rate6.50%
Term30 years
-Operating costs-$866
Property taxes-$388
Insurance-$175
Utilities$0
HOA$0
Management-$303
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$48,190(62.0% ROI)
Projected value
$418,200
Current value$388,340
Return breakdown
Property appreciation+$29,860
Loan principal paid down+$11,131
Rental cash flow+$7,200
5-year hold
+$82,880(106.7% ROI)
Projected value
$439,371
Current value$388,340
Return breakdown
Property appreciation+$51,031
Loan principal paid down+$19,849
Rental cash flow+$12,000
10-year hold
+$180,064(231.8% ROI)
Projected value
$497,108
Current value$388,340
Return breakdown
Property appreciation+$108,768
Loan principal paid down+$47,296
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$2,380
Market$2,090
vs market+$290

FMR is above market; underwrite to market rent.

90% standard$2,142 / 1.02 ratio110% standard$2,618 / 1.25 ratio
1.14
1 BR
1 BR
1.02ratio
FMR$2,440
Market$2,400
vs market+$40

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

90% standard$2,196 / 0.91 ratio110% standard$2,684 / 1.12 ratio
1.02
2 BR
2 BR
0.92ratio
FMR$2,870
Market$3,110
vs market-$240

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

90% standard$2,583 / 0.83 ratio110% standard$3,157 / 1.02 ratio
0.92
3 BR
3 BR
0.94ratio
FMR$3,900
Market$4,160
vs market-$260

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

90% standard$3,510 / 0.84 ratio110% standard$4,290 / 1.03 ratio
0.94
4 BR
4 BR
1.02ratio
FMR$4,650
Market$4,550
vs market+$100

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

90% standard$4,185 / 0.92 ratio110% standard$5,115 / 1.12 ratio
1.02
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 92802 (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.

92802 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92802 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,870 and the 4 bedroom fair market rent is $4,650.

Use this page for searches like 92802 FMR, 92802 fair market rent, and 92802 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 92802
Bedroom sizeHUD FMR
Studio$2,380
1 bedroom$2,440
2 bedroom$2,870
3 bedroom$3,900
4 bedroom$4,650