94105
ZIPSAFMR
San Francisco County, CA
BRFMR
Eff. Rent
0 BR$3,260$2,790
1 BR$3,910$3,560
2 BR$4,730$5,200
3 BR$6,040$6,640
4 BR$6,260$6,890
5 BR$7,199
6 BR$8,279
7 BR$9,521
8 BR$10,949

Purchase Price Calculator

Maximum purchase price
$710,801

Cost breakdown

+Likely effective rent$5,200
HUD FMR$4,730
Market rent$5,760
Est. payment standard (110%)Used$5,200
Estimated payment standard is $5,200 (110% of FMR).
-Principal and interest-$3,594
Loan amount$568,641
Down payment$142,160
Rate6.50%
Term30 years
-Operating costs-$1,406
Property taxes-$711
Insurance-$175
Utilities$0
HOA$0
Management-$520
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$82,227(57.8% ROI)
Projected value
$765,455
Current value$710,801
Return breakdown
Property appreciation+$54,654
Loan principal paid down+$20,373
Rental cash flow+$7,200
5-year hold
+$141,736(99.7% ROI)
Projected value
$804,207
Current value$710,801
Return breakdown
Property appreciation+$93,405
Loan principal paid down+$36,331
Rental cash flow+$12,000
10-year hold
+$309,654(217.8% ROI)
Projected value
$909,886
Current value$710,801
Return breakdown
Property appreciation+$199,084
Loan principal paid down+$86,569
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
1.17ratio
FMR$3,260
Market$2,790
vs market+$470

FMR is above market; underwrite to market rent.

90% standard$2,934 / 1.05 ratio110% standard$3,586 / 1.29 ratio
1.17
1 BR
1 BR
1.10ratio
FMR$3,910
Market$3,560
vs market+$350

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

90% standard$3,519 / 0.99 ratio110% standard$4,301 / 1.21 ratio
1.10
2 BR
2 BR
0.82ratio
FMR$4,730
Market$5,760
vs market-$1,030

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

90% standard$4,257 / 0.74 ratio110% standard$5,203 / 0.90 ratio
0.82
3 BR
3 BR
0.61ratio
FMR$6,040
Market$9,900
vs market-$3,860

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

90% standard$5,436 / 0.55 ratio110% standard$6,644 / 0.67 ratio
0.61
4 BR
4 BR
0.61ratio
FMR$6,260
Market$10,250
vs market-$3,990

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

90% standard$5,634 / 0.55 ratio110% standard$6,886 / 0.67 ratio
0.61
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 94105 (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.

94105 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 94105 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $4,730 and the 4 bedroom fair market rent is $6,260.

Use this page for searches like 94105 FMR, 94105 fair market rent, and 94105 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 94105
Bedroom sizeHUD FMR
Studio$3,260
1 bedroom$3,910
2 bedroom$4,730
3 bedroom$6,040
4 bedroom$6,260