92808
ZIPSAFMR
Orange County, CA
BRFMR
Eff. Rent
0 BR$3,200$2,500
1 BR$3,280$3,000
2 BR$3,860$3,530
3 BR$5,240$3,970
4 BR$6,260$5,280
5 BR$7,199
6 BR$8,279
7 BR$9,521
8 BR$10,949

Purchase Price Calculator

Maximum purchase price
$462,640

Cost breakdown

+Likely effective rent$3,530
HUD FMR$3,860
Market rentUsed$3,530
Est. payment standard (94%)$3,650
Market rent is below the inferred standard ($3,650, 94% of FMR).
-Principal and interest-$2,339
Loan amount$370,112
Down payment$92,528
Rate6.50%
Term30 years
-Operating costs-$991
Property taxes-$463
Insurance-$175
Utilities$0
HOA$0
Management-$353
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$56,033(60.6% ROI)
Projected value
$498,213
Current value$462,640
Return breakdown
Property appreciation+$35,573
Loan principal paid down+$13,260
Rental cash flow+$7,200
5-year hold
+$96,441(104.2% ROI)
Projected value
$523,435
Current value$462,640
Return breakdown
Property appreciation+$60,795
Loan principal paid down+$23,647
Rental cash flow+$12,000
10-year hold
+$209,924(226.9% ROI)
Projected value
$592,218
Current value$462,640
Return breakdown
Property appreciation+$129,578
Loan principal paid down+$56,345
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
1.28ratio
FMR$3,200
Market$2,500
vs market+$700

FMR is above market; underwrite to market rent.

90% standard$2,880 / 1.15 ratio110% standard$3,520 / 1.41 ratio
1.28
1 BR
1 BR
1.09ratio
FMR$3,280
Market$3,000
vs market+$280

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

90% standard$2,952 / 0.98 ratio110% standard$3,608 / 1.20 ratio
1.09
2 BR
2 BR
1.09ratio
FMR$3,860
Market$3,530
vs market+$330

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

90% standard$3,474 / 0.98 ratio110% standard$4,246 / 1.20 ratio
1.09
3 BR
3 BR
1.32ratio
FMR$5,240
Market$3,970
vs market+$1,270

FMR is above market; underwrite to market rent.

90% standard$4,716 / 1.19 ratio110% standard$5,764 / 1.45 ratio
1.32
4 BR
4 BR
1.19ratio
FMR$6,260
Market$5,280
vs market+$980

FMR is above market; underwrite to market rent.

90% standard$5,634 / 1.07 ratio110% standard$6,886 / 1.30 ratio
1.19
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 92808 (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.

92808 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92808 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,860 and the 4 bedroom fair market rent is $6,260.

Use this page for searches like 92808 FMR, 92808 fair market rent, and 92808 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 92808
Bedroom sizeHUD FMR
Studio$3,200
1 bedroom$3,280
2 bedroom$3,860
3 bedroom$5,240
4 bedroom$6,260