92886
ZIPSAFMR
Orange County, CA
BRFMR
Eff. Rent
0 BR$3,520$2,420
1 BR$3,610$2,780
2 BR$4,250$3,460
3 BR$5,770$4,070
4 BR$6,890$4,840
5 BR$7,923
6 BR$9,112
7 BR$10,479
8 BR$12,051

Purchase Price Calculator

Maximum purchase price
$452,238

Cost breakdown

+Likely effective rent$3,460
HUD FMR$4,250
Market rentUsed$3,460
Est. payment standard (90%)$3,830
Market rent is below the inferred standard ($3,830, 90% of FMR).
-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
Current value$452,238
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
Current value$452,238
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
Current value$452,238
Return breakdown
Property appreciation+$126,665
Loan principal paid down+$55,079
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
1.45ratio
FMR$3,520
Market$2,420
vs market+$1,100

FMR is above market; underwrite to market rent.

90% standard$3,168 / 1.31 ratio110% standard$3,872 / 1.60 ratio
1.45
1 BR
1 BR
1.30ratio
FMR$3,610
Market$2,780
vs market+$830

FMR is above market; underwrite to market rent.

90% standard$3,249 / 1.17 ratio110% standard$3,971 / 1.43 ratio
1.30
2 BR
2 BR
1.23ratio
FMR$4,250
Market$3,460
vs market+$790

FMR is above market; underwrite to market rent.

90% standard$3,825 / 1.11 ratio110% standard$4,675 / 1.35 ratio
1.23
3 BR
3 BR
1.42ratio
FMR$5,770
Market$4,070
vs market+$1,700

FMR is above market; underwrite to market rent.

90% standard$5,193 / 1.28 ratio110% standard$6,347 / 1.56 ratio
1.42
4 BR
4 BR
1.42ratio
FMR$6,890
Market$4,840
vs market+$2,050

FMR is above market; underwrite to market rent.

90% standard$6,201 / 1.28 ratio110% standard$7,579 / 1.57 ratio
1.42
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom 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 92886 (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.

92886 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 92886 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $4,250 and the 4 bedroom fair market rent is $6,890.

Use this page for searches like 92886 FMR, 92886 fair market rent, and 92886 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 92886
Bedroom sizeHUD FMR
Studio$3,520
1 bedroom$3,610
2 bedroom$4,250
3 bedroom$5,770
4 bedroom$6,890