94085
ZIPSAFMR
Santa Clara County, CA
BRFMR
Eff. Rent
0 BR$3,180$2,420
1 BR$3,610$2,630
2 BR$4,220$3,590
3 BR$5,580$4,840
4 BR$6,070$5,200
5 BR$6,980
6 BR$8,028
7 BR$9,232
8 BR$10,616

Purchase Price Calculator

Maximum purchase price
$471,556

Cost breakdown

+Likely effective rent$3,590
HUD FMR$4,220
Market rentUsed$3,590
Est. payment standard (90%)$3,810
Market rent is below the inferred standard ($3,810, 90% of FMR).
-Principal and interest-$2,384
Loan amount$377,245
Down payment$94,311
Rate6.50%
Term30 years
-Operating costs-$1,006
Property taxes-$472
Insurance-$175
Utilities$0
HOA$0
Management-$359
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$56,974(60.4% ROI)
Projected value
$507,814
Current value$471,556
Return breakdown
Property appreciation+$36,258
Loan principal paid down+$13,516
Rental cash flow+$7,200
5-year hold
+$98,069(104.0% ROI)
Projected value
$533,522
Current value$471,556
Return breakdown
Property appreciation+$61,966
Loan principal paid down+$24,102
Rental cash flow+$12,000
10-year hold
+$213,507(226.4% ROI)
Projected value
$603,632
Current value$471,556
Return breakdown
Property appreciation+$132,076
Loan principal paid down+$57,431
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
1.31ratio
FMR$3,180
Market$2,420
vs market+$760

FMR is above market; underwrite to market rent.

90% standard$2,862 / 1.18 ratio110% standard$3,498 / 1.45 ratio
1.31
1 BR
1 BR
1.37ratio
FMR$3,610
Market$2,630
vs market+$980

FMR is above market; underwrite to market rent.

90% standard$3,249 / 1.24 ratio110% standard$3,971 / 1.51 ratio
1.37
2 BR
2 BR
1.18ratio
FMR$4,220
Market$3,590
vs market+$630

FMR is above market; underwrite to market rent.

90% standard$3,798 / 1.06 ratio110% standard$4,642 / 1.29 ratio
1.18
3 BR
3 BR
1.15ratio
FMR$5,580
Market$4,840
vs market+$740

FMR is above market; underwrite to market rent.

90% standard$5,022 / 1.04 ratio110% standard$6,138 / 1.27 ratio
1.15
4 BR
4 BR
1.17ratio
FMR$6,070
Market$5,200
vs market+$870

FMR is above market; underwrite to market rent.

90% standard$5,463 / 1.05 ratio110% standard$6,677 / 1.28 ratio
1.17
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom 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 94085 (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.

94085 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 94085 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $4,220 and the 4 bedroom fair market rent is $6,070.

Use this page for searches like 94085 FMR, 94085 fair market rent, and 94085 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 94085
Bedroom sizeHUD FMR
Studio$3,180
1 bedroom$3,610
2 bedroom$4,220
3 bedroom$5,580
4 bedroom$6,070