92866
ZIPSAFMR
Orange County, CA
BRFMR
Eff. Rent
0 BR$2,250$2,280
1 BR$2,300$2,510
2 BR$2,710$2,980
3 BR$3,680$4,050
4 BR$4,390$4,830
5 BR$5,049
6 BR$5,806
7 BR$6,677
8 BR$7,678

Purchase Price Calculator

Maximum purchase price
$380,910

Cost breakdown

+Likely effective rent$2,980
HUD FMR$2,710
Market rent$3,310
Est. payment standard (110%)Used$2,980
Estimated payment standard is $2,980 (110% of FMR).
-Principal and interest-$1,926
Loan amount$304,728
Down payment$76,182
Rate6.50%
Term30 years
-Operating costs-$854
Property taxes-$381
Insurance-$175
Utilities$0
HOA$0
Management-$298
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$47,406(62.2% ROI)
Projected value
$410,199
Current value$380,910
Return breakdown
Property appreciation+$29,288
Loan principal paid down+$10,918
Rental cash flow+$7,200
5-year hold
+$81,524(107.0% ROI)
Projected value
$430,965
Current value$380,910
Return breakdown
Property appreciation+$50,055
Loan principal paid down+$19,469
Rental cash flow+$12,000
10-year hold
+$177,079(232.4% ROI)
Projected value
$487,597
Current value$380,910
Return breakdown
Property appreciation+$106,687
Loan principal paid down+$46,391
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
0.98ratio
FMR$2,250
Market$2,300
vs market-$50

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

90% standard$2,025 / 0.88 ratio110% standard$2,475 / 1.08 ratio
0.98
1 BR
1 BR
0.87ratio
FMR$2,300
Market$2,630
vs market-$330

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

90% standard$2,070 / 0.79 ratio110% standard$2,530 / 0.96 ratio
0.87
2 BR
2 BR
0.82ratio
FMR$2,710
Market$3,310
vs market-$600

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

90% standard$2,439 / 0.74 ratio110% standard$2,981 / 0.90 ratio
0.82
3 BR
3 BR
0.82ratio
FMR$3,680
Market$4,490
vs market-$810

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

90% standard$3,312 / 0.74 ratio110% standard$4,048 / 0.90 ratio
0.82
4 BR
4 BR
0.79ratio
FMR$4,390
Market$5,530
vs market-$1,140

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

90% standard$3,951 / 0.71 ratio110% standard$4,829 / 0.87 ratio
0.79
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 92866 (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.

92866 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92866 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,710 and the 4 bedroom fair market rent is $4,390.

Use this page for searches like 92866 FMR, 92866 fair market rent, and 92866 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 92866
Bedroom sizeHUD FMR
Studio$2,250
1 bedroom$2,300
2 bedroom$2,710
3 bedroom$3,680
4 bedroom$4,390