93012
ZIPSAFMR
Ventura County, CA
BRFMR
Eff. Rent
0 BR$2,570$2,670
1 BR$2,890$2,920
2 BR$3,460$3,250
3 BR$4,690$3,800
4 BR$5,450$4,500
5 BR$6,267
6 BR$7,208
7 BR$8,289
8 BR$9,532

Purchase Price Calculator

Maximum purchase price
$421,032

Cost breakdown

+Likely effective rent$3,250
HUD FMR$3,460
Market rentUsed$3,250
Est. payment standard (96%)$3,320
Market rent is below the inferred standard ($3,320, 96% of FMR).
-Principal and interest-$2,129
Loan amount$336,826
Down payment$84,206
Rate6.50%
Term30 years
-Operating costs-$921
Property taxes-$421
Insurance-$175
Utilities$0
HOA$0
Management-$325
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$51,641(61.3% ROI)
Projected value
$453,406
Current value$421,032
Return breakdown
Property appreciation+$32,373
Loan principal paid down+$12,068
Rental cash flow+$7,200
5-year hold
+$88,847(105.5% ROI)
Projected value
$476,359
Current value$421,032
Return breakdown
Property appreciation+$55,327
Loan principal paid down+$21,520
Rental cash flow+$12,000
10-year hold
+$193,203(229.4% ROI)
Projected value
$538,957
Current value$421,032
Return breakdown
Property appreciation+$117,925
Loan principal paid down+$51,278
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
0.94ratio
FMR$2,570
Market$2,730
vs market-$160

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

90% standard$2,313 / 0.85 ratio110% standard$2,827 / 1.04 ratio
0.94
1 BR
1 BR
0.99ratio
FMR$2,890
Market$2,930
vs market-$40

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

90% standard$2,601 / 0.89 ratio110% standard$3,179 / 1.08 ratio
0.99
2 BR
2 BR
1.06ratio
FMR$3,460
Market$3,250
vs market+$210

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

90% standard$3,114 / 0.96 ratio110% standard$3,806 / 1.17 ratio
1.06
3 BR
3 BR
1.23ratio
FMR$4,690
Market$3,800
vs market+$890

FMR is above market; underwrite to market rent.

90% standard$4,221 / 1.11 ratio110% standard$5,159 / 1.36 ratio
1.23
4 BR
4 BR
1.21ratio
FMR$5,450
Market$4,500
vs market+$950

FMR is above market; underwrite to market rent.

90% standard$4,905 / 1.09 ratio110% standard$5,995 / 1.33 ratio
1.21
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 93012 (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.

93012 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 93012 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,460 and the 4 bedroom fair market rent is $5,450.

Use this page for searches like 93012 FMR, 93012 fair market rent, and 93012 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 93012
Bedroom sizeHUD FMR
Studio$2,570
1 bedroom$2,890
2 bedroom$3,460
3 bedroom$4,690
4 bedroom$5,450