93930
ZIPSAFMR
Monterey County, CA
BRFMR
Eff. Rent
0 BR$2,180$2,160
1 BR$2,240$2,090
2 BR$2,690$2,430
3 BR$3,630$2,580
4 BR$3,950$2,740
5 BR$4,543
6 BR$5,224
7 BR$6,007
8 BR$6,909

Purchase Price Calculator

Maximum purchase price
$299,181

Cost breakdown

+Likely effective rent$2,430
HUD FMR$2,690
Market rentUsed$2,430
Est. payment standard (94%)$2,520
Market rent is below the inferred standard ($2,520, 94% of FMR).
-Principal and interest-$1,513
Loan amount$239,344
Down payment$59,836
Rate6.50%
Term30 years
-Operating costs-$717
Property taxes-$299
Insurance-$175
Utilities$0
HOA$0
Management-$243
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$38,779(64.8% ROI)
Projected value
$322,185
Current value$299,181
Return breakdown
Property appreciation+$23,004
Loan principal paid down+$8,575
Rental cash flow+$7,200
5-year hold
+$66,607(111.3% ROI)
Projected value
$338,495
Current value$299,181
Return breakdown
Property appreciation+$39,315
Loan principal paid down+$15,292
Rental cash flow+$12,000
10-year hold
+$144,233(241.0% ROI)
Projected value
$382,976
Current value$299,181
Return breakdown
Property appreciation+$83,796
Loan principal paid down+$36,437
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
1.01ratio
FMR$2,180
Market$2,160
vs market+$20

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

90% standard$1,962 / 0.91 ratio110% standard$2,398 / 1.11 ratio
1.01
1 BR
1 BR
1.07ratio
FMR$2,240
Market$2,090
vs market+$150

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

90% standard$2,016 / 0.96 ratio110% standard$2,464 / 1.18 ratio
1.07
2 BR
2 BR
1.11ratio
FMR$2,690
Market$2,430
vs market+$260

FMR is above market; underwrite to market rent.

90% standard$2,421 / 1.00 ratio110% standard$2,959 / 1.22 ratio
1.11
3 BR
3 BR
1.41ratio
FMR$3,630
Market$2,580
vs market+$1,050

FMR is above market; underwrite to market rent.

90% standard$3,267 / 1.27 ratio110% standard$3,993 / 1.55 ratio
1.41
4 BR
4 BR
1.44ratio
FMR$3,950
Market$2,740
vs market+$1,210

FMR is above market; underwrite to market rent.

90% standard$3,555 / 1.30 ratio110% standard$4,345 / 1.59 ratio
1.44
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 93930 (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.

93930 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 93930 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,690 and the 4 bedroom fair market rent is $3,950.

Use this page for searches like 93930 FMR, 93930 fair market rent, and 93930 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 93930
Bedroom sizeHUD FMR
Studio$2,180
1 bedroom$2,240
2 bedroom$2,690
3 bedroom$3,630
4 bedroom$3,950