94188
ZIPSAFMR
San Francisco County, CA
BRFMR
Eff. Rent
0 BR$2,380$2,580
1 BR$2,850$3,140
2 BR$3,450$3,700
3 BR$4,410$4,820
4 BR$4,570$5,030
5 BR$5,256
6 BR$6,044
7 BR$6,950
8 BR$7,993

Purchase Price Calculator

Maximum purchase price
$487,902

Cost breakdown

+Likely effective rent$3,700
HUD FMR$3,450
Market rent$3,840
Est. payment standard (107%)Used$3,700
Estimated payment standard is $3,700 (107% of FMR).
-Principal and interest-$2,467
Loan amount$390,322
Down payment$97,580
Rate6.50%
Term30 years
-Operating costs-$1,033
Property taxes-$488
Insurance-$175
Utilities$0
HOA$0
Management-$370
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$58,699(60.2% ROI)
Projected value
$525,417
Current value$487,902
Return breakdown
Property appreciation+$37,515
Loan principal paid down+$13,984
Rental cash flow+$7,200
5-year hold
+$101,052(103.6% ROI)
Projected value
$552,016
Current value$487,902
Return breakdown
Property appreciation+$64,114
Loan principal paid down+$24,938
Rental cash flow+$12,000
10-year hold
+$220,076(225.5% ROI)
Projected value
$624,556
Current value$487,902
Return breakdown
Property appreciation+$136,654
Loan principal paid down+$59,422
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
0.89ratio
FMR$2,380
Market$2,680
vs market-$300

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

90% standard$2,142 / 0.80 ratio110% standard$2,618 / 0.98 ratio
0.89
1 BR
1 BR
0.84ratio
FMR$2,850
Market$3,380
vs market-$530

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

90% standard$2,565 / 0.76 ratio110% standard$3,135 / 0.93 ratio
0.84
2 BR
2 BR
0.90ratio
FMR$3,450
Market$3,840
vs market-$390

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

90% standard$3,105 / 0.81 ratio110% standard$3,795 / 0.99 ratio
0.90
3 BR
3 BR
0.88ratio
FMR$4,410
Market$5,040
vs market-$630

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

90% standard$3,969 / 0.79 ratio110% standard$4,851 / 0.96 ratio
0.88
4 BR
4 BR
0.63ratio
FMR$4,570
Market$7,240
vs market-$2,670

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

90% standard$4,113 / 0.57 ratio110% standard$5,027 / 0.69 ratio
0.63
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 94188 (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.

94188 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 94188 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,450 and the 4 bedroom fair market rent is $4,570.

Use this page for searches like 94188 FMR, 94188 fair market rent, and 94188 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 94188
Bedroom sizeHUD FMR
Studio$2,380
1 bedroom$2,850
2 bedroom$3,450
3 bedroom$4,410
4 bedroom$4,570