93101
ZIPSAFMR
Santa Barbara County, CA
BRFMR
Eff. Rent
0 BR$3,050$2,400
1 BR$3,400$2,720
2 BR$3,870$4,260
3 BR$5,050$5,560
4 BR$5,760$5,180
5 BR$6,624
6 BR$7,618
7 BR$8,760
8 BR$10,074

Purchase Price Calculator

Maximum purchase price
$571,118

Cost breakdown

+Likely effective rent$4,260
HUD FMR$3,870
Market rent$4,620
Est. payment standard (110%)Used$4,260
Estimated payment standard is $4,260 (110% of FMR).
-Principal and interest-$2,888
Loan amount$456,894
Down payment$114,224
Rate6.50%
Term30 years
-Operating costs-$1,172
Property taxes-$571
Insurance-$175
Utilities$0
HOA$0
Management-$426
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$67,483(59.1% ROI)
Projected value
$615,031
Current value$571,118
Return breakdown
Property appreciation+$43,914
Loan principal paid down+$16,369
Rental cash flow+$7,200
5-year hold
+$116,241(101.8% ROI)
Projected value
$646,167
Current value$571,118
Return breakdown
Property appreciation+$75,050
Loan principal paid down+$29,191
Rental cash flow+$12,000
10-year hold
+$253,518(221.9% ROI)
Projected value
$731,079
Current value$571,118
Return breakdown
Property appreciation+$159,961
Loan principal paid down+$69,557
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
1.27ratio
FMR$3,050
Market$2,400
vs market+$650

FMR is above market; underwrite to market rent.

90% standard$2,745 / 1.14 ratio110% standard$3,355 / 1.40 ratio
1.27
1 BR
1 BR
1.25ratio
FMR$3,400
Market$2,720
vs market+$680

FMR is above market; underwrite to market rent.

90% standard$3,060 / 1.13 ratio110% standard$3,740 / 1.38 ratio
1.25
2 BR
2 BR
0.84ratio
FMR$3,870
Market$4,620
vs market-$750

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

90% standard$3,483 / 0.75 ratio110% standard$4,257 / 0.92 ratio
0.84
3 BR
3 BR
0.85ratio
FMR$5,050
Market$5,910
vs market-$860

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

90% standard$4,545 / 0.77 ratio110% standard$5,555 / 0.94 ratio
0.85
4 BR
4 BR
1.11ratio
FMR$5,760
Market$5,180
vs market+$580

FMR is above market; underwrite to market rent.

90% standard$5,184 / 1.00 ratio110% standard$6,336 / 1.22 ratio
1.11
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 93101 (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.

93101 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 93101 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,870 and the 4 bedroom fair market rent is $5,760.

Use this page for searches like 93101 FMR, 93101 fair market rent, and 93101 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 93101
Bedroom sizeHUD FMR
Studio$3,050
1 bedroom$3,400
2 bedroom$3,870
3 bedroom$5,050
4 bedroom$5,760