94118
ZIPSAFMR
San Francisco County, CA
BRFMR
Eff. Rent
0 BR$2,280$2,510
1 BR$2,730$2,950
2 BR$3,300$3,630
3 BR$4,220$4,640
4 BR$4,370$4,810
5 BR$5,026
6 BR$5,779
7 BR$6,646
8 BR$7,643

Purchase Price Calculator

Maximum purchase price
$477,500

Cost breakdown

+Likely effective rent$3,630
HUD FMR$3,300
Market rent$4,330
Est. payment standard (110%)Used$3,630
Estimated payment standard is $3,630 (110% of FMR).
-Principal and interest-$2,414
Loan amount$382,000
Down payment$95,500
Rate6.50%
Term30 years
-Operating costs-$1,016
Property taxes-$478
Insurance-$175
Utilities$0
HOA$0
Management-$363
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$57,601(60.3% ROI)
Projected value
$514,215
Current value$477,500
Return breakdown
Property appreciation+$36,715
Loan principal paid down+$13,686
Rental cash flow+$7,200
5-year hold
+$99,153(103.8% ROI)
Projected value
$540,247
Current value$477,500
Return breakdown
Property appreciation+$62,747
Loan principal paid down+$24,406
Rental cash flow+$12,000
10-year hold
+$215,896(226.1% ROI)
Projected value
$611,240
Current value$477,500
Return breakdown
Property appreciation+$133,740
Loan principal paid down+$58,155
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
0.86ratio
FMR$2,280
Market$2,650
vs market-$370

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

90% standard$2,052 / 0.77 ratio110% standard$2,508 / 0.95 ratio
0.86
1 BR
1 BR
0.89ratio
FMR$2,730
Market$3,070
vs market-$340

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

90% standard$2,457 / 0.80 ratio110% standard$3,003 / 0.98 ratio
0.89
2 BR
2 BR
0.76ratio
FMR$3,300
Market$4,330
vs market-$1,030

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

90% standard$2,970 / 0.69 ratio110% standard$3,630 / 0.84 ratio
0.76
3 BR
3 BR
0.68ratio
FMR$4,220
Market$6,250
vs market-$2,030

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

90% standard$3,798 / 0.61 ratio110% standard$4,642 / 0.74 ratio
0.68
4 BR
4 BR
0.74ratio
FMR$4,370
Market$5,900
vs market-$1,530

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

90% standard$3,933 / 0.67 ratio110% standard$4,807 / 0.81 ratio
0.74
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 94118 (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.

94118 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 94118 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,300 and the 4 bedroom fair market rent is $4,370.

Use this page for searches like 94118 FMR, 94118 fair market rent, and 94118 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 94118
Bedroom sizeHUD FMR
Studio$2,280
1 bedroom$2,730
2 bedroom$3,300
3 bedroom$4,220
4 bedroom$4,370