93635
ZIPSAFMR
Merced County, CA
BRFMR
Eff. Rent
0 BR$1,310$1,380
1 BR$1,420$1,460
2 BR$1,760$1,820
3 BR$2,420$2,310
4 BR$2,930$2,500
5 BR$3,369
6 BR$3,875
7 BR$4,456
8 BR$5,125

Purchase Price Calculator

Maximum purchase price
$208,535

Cost breakdown

+Likely effective rent$1,820
HUD FMR$1,760
Market rent$1,850
Est. payment standard (103%)Used$1,820
Estimated payment standard is $1,820 (103% of FMR).
-Principal and interest-$1,054
Loan amount$166,828
Down payment$41,707
Rate6.50%
Term30 years
-Operating costs-$566
Property taxes-$209
Insurance-$175
Utilities$0
HOA$0
Management-$182
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,211(70.0% ROI)
Projected value
$224,569
Current value$208,535
Return breakdown
Property appreciation+$16,034
Loan principal paid down+$5,977
Rental cash flow+$7,200
5-year hold
+$50,062(120.0% ROI)
Projected value
$235,938
Current value$208,535
Return breakdown
Property appreciation+$27,403
Loan principal paid down+$10,659
Rental cash flow+$12,000
10-year hold
+$107,805(258.5% ROI)
Projected value
$266,942
Current value$208,535
Return breakdown
Property appreciation+$58,407
Loan principal paid down+$25,398
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
0.92ratio
FMR$1,310
Market$1,420
vs market-$110

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

90% standard$1,179 / 0.83 ratio110% standard$1,441 / 1.01 ratio
0.92
1 BR
1 BR
0.96ratio
FMR$1,420
Market$1,480
vs market-$60

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

90% standard$1,278 / 0.86 ratio110% standard$1,562 / 1.06 ratio
0.96
2 BR
2 BR
0.95ratio
FMR$1,760
Market$1,850
vs market-$90

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

90% standard$1,584 / 0.86 ratio110% standard$1,936 / 1.05 ratio
0.95
3 BR
3 BR
1.05ratio
FMR$2,420
Market$2,310
vs market+$110

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

90% standard$2,178 / 0.94 ratio110% standard$2,662 / 1.15 ratio
1.05
4 BR
4 BR
1.17ratio
FMR$2,930
Market$2,500
vs market+$430

FMR is above market; underwrite to market rent.

90% standard$2,637 / 1.05 ratio110% standard$3,223 / 1.29 ratio
1.17
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 93635 (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.

93635 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 93635 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,760 and the 4 bedroom fair market rent is $2,930.

Use this page for searches like 93635 FMR, 93635 fair market rent, and 93635 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 93635
Bedroom sizeHUD FMR
Studio$1,310
1 bedroom$1,420
2 bedroom$1,760
3 bedroom$2,420
4 bedroom$2,930