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San Francisco County/San Francisco/94107

94107

ZIPSAFMR
San Francisco County, CA
Zillow

ZIP Investment Score

42Below average

095130300
BRFMR
Eff. Rent
0 BR$3,430$3,010
1 BR$4,010$3,840
2 BR$4,930$4,980
3 BR$6,440$6,160
4 BR$7,250$7,810
5 BR$8,338Not available
6 BR$9,588Not available
7 BR$11,026Not available
8 BR$12,680Not available

Purchase Price Calculator

Maximum purchase price
$678,109

Cost breakdown

+Likely effective rent$4,980
HUD FMR$4,930
Market rent$5,000
Est. payment standard (101%)Used$4,980
-Principal and interest-$3,429
Loan amount$542,488
Down payment$135,622
Rate6.50%
Term30 years
-Operating costs-$1,351
Property taxes-$678
Insurance-$175
Utilities$0
HOA$0
Management-$498
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$78,776(58.1% ROI)
Projected value
$730,250
Return breakdown
Property appreciation+$52,140
Loan principal paid down+$19,436
Rental cash flow+$7,200
5-year hold
+$135,769(100.1% ROI)
Projected value
$767,219
Return breakdown
Property appreciation+$89,109
Loan principal paid down+$34,660
Rental cash flow+$12,000
10-year hold
+$296,516(218.6% ROI)
Projected value
$868,037
Return breakdown
Property appreciation+$189,928
Loan principal paid down+$82,588
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.14
1 BR
1.04
2 BR
0.99
3 BR
1.05
4 BR
0.89
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 94107 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 94107 (San Francisco, CA) is $4,930 a month. That is up 4.9% from $4,700 in FY 2026. San Francisco is in the San Francisco, CA HUD Metro 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 metro-wide two-bedroom FMR of $3,697. Among 37 ZIP codes in San Francisco County, 94107 is tied for the highest two-bedroom rent (county range $3,250–$4,930). The median county two-bedroom FMR in California is $1,725, so ZIP 94107 is 186% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 94107
BedroomsFY 2027Change90–110% range
Studio$3,430+5.9%$3,087–$3,773
1BR$4,010+3.4%$3,609–$4,411
2BR$4,930+4.9%$4,437–$5,423
3BR$6,440+7.3%$5,796–$7,084
4BR$7,250+16.6%$6,525–$7,975

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 94107
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$3,430$4,010$4,930$6,440$7,250
FY 2026$3,240$3,880$4,700$6,000$6,220
FY 2025$2,670$3,260$3,890$4,850$5,160
FY 2024$2,610$3,210$3,830$4,690$5,100
FY 2023$2,400$2,970$3,550$4,390$4,780

Two-bedroom rent in nearby San Francisco County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 94107
94102$3,250−34.1%
94103$3,930−20.3%
94104$3,480−29.4%
94105$4,260−13.6%
94107Current$4,930—
94108$3,250−34.1%
94109$3,250−34.1%
94110$3,370−31.6%
94111$3,870−21.5%
94112$3,250−34.1%
94114$4,120−16.4%
94115$4,160−15.6%

Questions about ZIP 94107 rents

How much will Section 8 pay for a two-bedroom in ZIP 94107?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $3,697, which applies unless the housing authority uses Small Area FMRs, that basic range is $3,327 to $4,067 a month; under the ZIP-level Small Area FMR of $4,930 it would be $4,437 to $5,423. 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 94107 in?

ZIP 94107 is in the San Francisco, CA HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $3,697.

How much did fair market rent change in ZIP 94107 for FY 2027?

The two-bedroom FMR rose 4.9%, from $4,700 in FY 2026 to $4,930 in FY 2027. Since FY 2023 it has risen 38.9%.

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 rentSan Francisco, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources