94108
ZIPSAFMR
San Francisco County, CA
BRFMR
Eff. Rent
0 BR$2,050$2,020
1 BR$2,510$2,760
2 BR$2,990$3,290
3 BR$3,730$4,100
4 BR$3,960$4,360
5 BR$4,554
6 BR$5,237
7 BR$6,023
8 BR$6,926

Purchase Price Calculator

Maximum purchase price
$426,976

Cost breakdown

+Likely effective rent$3,290
HUD FMR$2,990
Market rent$3,690
Est. payment standard (110%)Used$3,290
Estimated payment standard is $3,290 (110% of FMR).
-Principal and interest-$2,159
Loan amount$341,581
Down payment$85,395
Rate6.50%
Term30 years
-Operating costs-$931
Property taxes-$427
Insurance-$175
Utilities$0
HOA$0
Management-$329
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$52,268(61.2% ROI)
Projected value
$459,807
Current value$426,976
Return breakdown
Property appreciation+$32,830
Loan principal paid down+$12,238
Rental cash flow+$7,200
5-year hold
+$89,932(105.3% ROI)
Projected value
$483,084
Current value$426,976
Return breakdown
Property appreciation+$56,108
Loan principal paid down+$21,824
Rental cash flow+$12,000
10-year hold
+$195,591(229.0% ROI)
Projected value
$546,566
Current value$426,976
Return breakdown
Property appreciation+$119,589
Loan principal paid down+$52,002
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$2,050
Market$2,020
vs market+$30

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

90% standard$1,845 / 0.91 ratio110% standard$2,255 / 1.12 ratio
1.01
1 BR
1 BR
0.86ratio
FMR$2,510
Market$2,920
vs market-$410

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

90% standard$2,259 / 0.77 ratio110% standard$2,761 / 0.95 ratio
0.86
2 BR
2 BR
0.81ratio
FMR$2,990
Market$3,690
vs market-$700

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

90% standard$2,691 / 0.73 ratio110% standard$3,289 / 0.89 ratio
0.81
3 BR
3 BR
0.59ratio
FMR$3,730
Market$6,290
vs market-$2,560

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

90% standard$3,357 / 0.53 ratio110% standard$4,103 / 0.65 ratio
0.59
4 BR
4 BR
0.83ratio
FMR$3,960
Market$4,770
vs market-$810

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

90% standard$3,564 / 0.75 ratio110% standard$4,356 / 0.91 ratio
0.83
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 94108 (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.

94108 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 94108 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,990 and the 4 bedroom fair market rent is $3,960.

Use this page for searches like 94108 FMR, 94108 fair market rent, and 94108 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 94108
Bedroom sizeHUD FMR
Studio$2,050
1 bedroom$2,510
2 bedroom$2,990
3 bedroom$3,730
4 bedroom$3,960