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Orange County/Yorba Linda/92886

92886

ZIPSAFMR
Orange County, CA
Zillow

ZIP Investment Score

42Below average

095130300
BRFMR
Eff. Rent
0 BR$3,360$2,420
1 BR$3,400$2,780
2 BR$3,980$3,460
3 BR$5,410$4,070
4 BR$6,460$4,840
5 BR$7,429Not available
6 BR$8,543Not available
7 BR$9,825Not available
8 BR$11,299Not available

Purchase Price Calculator

Maximum purchase price
$452,238

Cost breakdown

+Likely effective rent$3,460
HUD FMR$3,980
Market rentUsed$3,460
Est. payment standard (92%)$3,640
-Principal and interest-$2,287
Loan amount$361,790
Down payment$90,448
Rate6.50%
Term30 years
-Operating costs-$973
Property taxes-$452
Insurance-$175
Utilities$0
HOA$0
Management-$346
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$54,935(60.7% ROI)
Projected value
$487,011
Return breakdown
Property appreciation+$34,773
Loan principal paid down+$12,962
Rental cash flow+$7,200
5-year hold
+$94,543(104.5% ROI)
Projected value
$511,666
Return breakdown
Property appreciation+$59,428
Loan principal paid down+$23,115
Rental cash flow+$12,000
10-year hold
+$205,743(227.5% ROI)
Projected value
$578,903
Return breakdown
Property appreciation+$126,665
Loan principal paid down+$55,079
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.39
1 BR
1.22
2 BR
1.15
3 BR
1.33
4 BR
1.33
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 92886 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 92886 (Yorba Linda, CA) is $3,980 a month. That is down 6.4% from $4,250 in FY 2026. Yorba Linda is in the Santa Ana-Anaheim-Irvine, CA HUD Metro FMR Area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $3,057. Among 143 ZIP codes in Orange County, 92886 has the 11th-highest two-bedroom rent (county range $2,690–$4,590). The median county two-bedroom FMR in California is $1,725, so ZIP 92886 is 131% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 92886
BedroomsFY 2027Change90–110% range
Studio$3,360−4.5%$3,024–$3,696
1BR$3,400−5.8%$3,060–$3,740
2BR$3,980−6.4%$3,582–$4,378
3BR$5,410−6.2%$4,869–$5,951
4BR$6,460−6.2%$5,814–$7,106

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 92886
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$3,360$3,400$3,980$5,410$6,460
FY 2026$3,520$3,610$4,250$5,770$6,890
FY 2025$3,060$3,200$3,780$5,110$6,110
FY 2024$2,840$3,020$3,590$4,860$5,760
FY 2023$2,430$2,650$3,180$4,320$5,050

Two-bedroom rent in nearby Orange County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 92886
92864$3,060−23.1%
92865$3,090−22.4%
92866$2,920−26.6%
92867$2,920−26.6%
92868$3,240−18.6%
92869$2,990−24.9%
92870$2,920−26.6%
92871$3,060−23.1%
92885$3,060−23.1%
92886Current$3,980—
92887$3,300−17.1%
92899$3,060−23.1%

Questions about ZIP 92886 rents

How much will Section 8 pay for a two-bedroom in ZIP 92886?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $3,057, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,751 to $3,363 a month; under the ZIP-level Small Area FMR of $3,980 it would be $3,582 to $4,378. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 92886 in?

ZIP 92886 is in the Santa Ana-Anaheim-Irvine, CA HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $3,057.

How much did fair market rent change in ZIP 92886 for FY 2027?

The two-bedroom FMR fell 6.4%, from $4,250 in FY 2026 to $3,980 in FY 2027. Since FY 2023 it has risen 25.2%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentYorba Linda, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources