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Mono County/Mammoth Lakes/93546

93546

ZIPSAFMR
Mono County, CA
Zillow

ZIP Investment Score

23Below average

095130300
BRFMR
Eff. Rent
0 BR$1,340$1,340
1 BR$1,540$1,540
2 BR$1,920$1,920
3 BR$2,370$2,370
4 BR$3,170$3,170
5 BR$3,645Not available
6 BR$4,192Not available
7 BR$4,821Not available
8 BR$5,544Not available

Purchase Price Calculator

Maximum purchase price
$223,395

Cost breakdown

+Likely effective rent$1,920
HUD FMRUsed$1,920
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,130
Loan amount$178,716
Down payment$44,679
Rate6.50%
Term30 years
-Operating costs-$590
Property taxes-$223
Insurance-$175
Utilities$0
HOA$0
Management-$192
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,780(68.9% ROI)
Projected value
$240,572
Return breakdown
Property appreciation+$17,177
Loan principal paid down+$6,403
Rental cash flow+$7,200
5-year hold
+$52,774(118.1% ROI)
Projected value
$252,751
Return breakdown
Property appreciation+$29,356
Loan principal paid down+$11,418
Rental cash flow+$12,000
10-year hold
+$113,777(254.7% ROI)
Projected value
$285,964
Return breakdown
Property appreciation+$62,569
Loan principal paid down+$27,207
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
--
Tax rate
--
Mortgage rate
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ZIP 93546 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 93546 (Mammoth Lakes, CA) is $1,920 a month. That is up 15.0% from $1,670 in FY 2026. Mammoth Lakes is in the Mono County, CA non-metropolitan 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 county-wide two-bedroom FMR of $1,927. Among 7 ZIP codes in Mono County, 93546 has the 6th-highest two-bedroom rent (county range $1,690–$2,470). The median county two-bedroom FMR in California is $1,725, so ZIP 93546 is 11% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 93546
BedroomsFY 2027Change90–110% range
Studio$1,340+14.5%$1,206–$1,474
1BR$1,540+1.3%$1,386–$1,694
2BR$1,920+15.0%$1,728–$2,112
3BR$2,370+2.2%$2,133–$2,607
4BR$3,170+14.9%$2,853–$3,487

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 93546
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,340$1,540$1,920$2,370$3,170
FY 2026$1,170$1,520$1,670$2,320$2,760
FY 2025$1,040$1,350$1,500$2,100$2,490
FY 2024area FMR$1,000$1,292$1,450$2,043$2,380
FY 2023area FMR$1,061$1,137$1,386$1,970$2,238

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Mono County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 93546
93512$1,690−12.0%
93517$1,980+3.1%
93529$1,930+0.5%
93541$1,930+0.5%
93546Current$1,920—
96107$2,470+28.6%
96133$2,040+6.3%

Questions about ZIP 93546 rents

How much will Section 8 pay for a two-bedroom in ZIP 93546?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,927, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,734 to $2,120 a month; under the ZIP-level Small Area FMR of $1,920 it would be $1,728 to $2,112. 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 93546 in?

ZIP 93546 is in the Mono County, CA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,927.

How much did fair market rent change in ZIP 93546 for FY 2027?

The two-bedroom FMR rose 15.0%, from $1,670 in FY 2026 to $1,920 in FY 2027. Since FY 2025 it has risen 28.0%.

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 rentMammoth Lakes, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources