94109
ZIPSAFMR
San Francisco County, CA
BRFMR
Eff. Rent
0 BR$2,130$2,340
1 BR$2,550$2,810
2 BR$3,090$3,400
3 BR$3,950$4,350
4 BR$4,090$4,500
5 BR$4,704
6 BR$5,409
7 BR$6,220
8 BR$7,153

Purchase Price Calculator

Maximum purchase price
$443,322

Cost breakdown

+Likely effective rent$3,400
HUD FMR$3,090
Market rent$5,770
Est. payment standard (110%)Used$3,400
Estimated payment standard is $3,400 (110% of FMR).
-Principal and interest-$2,242
Loan amount$354,658
Down payment$88,664
Rate6.50%
Term30 years
-Operating costs-$958
Property taxes-$443
Insurance-$175
Utilities$0
HOA$0
Management-$340
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$53,994(60.9% ROI)
Projected value
$477,409
Current value$443,322
Return breakdown
Property appreciation+$34,087
Loan principal paid down+$12,707
Rental cash flow+$7,200
5-year hold
+$92,915(104.8% ROI)
Projected value
$501,578
Current value$443,322
Return breakdown
Property appreciation+$58,256
Loan principal paid down+$22,659
Rental cash flow+$12,000
10-year hold
+$202,160(228.0% ROI)
Projected value
$567,490
Current value$443,322
Return breakdown
Property appreciation+$124,168
Loan principal paid down+$53,993
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.79ratio
FMR$2,130
Market$2,700
vs market-$570

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

90% standard$1,917 / 0.71 ratio110% standard$2,343 / 0.87 ratio
0.79
1 BR
1 BR
0.70ratio
FMR$2,550
Market$3,650
vs market-$1,100

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

90% standard$2,295 / 0.63 ratio110% standard$2,805 / 0.77 ratio
0.70
2 BR
2 BR
0.54ratio
FMR$3,090
Market$5,770
vs market-$2,680

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

0.54
3 BR
3 BR
0.56ratio
FMR$3,950
Market$7,040
vs market-$3,090

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

90% standard$3,555 / 0.50 ratio110% standard$4,345 / 0.62 ratio
0.56
4 BR
4 BR
0.61ratio
FMR$4,090
Market$6,690
vs market-$2,600

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

90% standard$3,681 / 0.55 ratio110% standard$4,499 / 0.67 ratio
0.61
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for 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 94109 (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.

94109 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 94109 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,090 and the 4 bedroom fair market rent is $4,090.

Use this page for searches like 94109 FMR, 94109 fair market rent, and 94109 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 94109
Bedroom sizeHUD FMR
Studio$2,130
1 bedroom$2,550
2 bedroom$3,090
3 bedroom$3,950
4 bedroom$4,090