94514
ZIPSAFMR
Contra Costa County, CA
BRFMR
Eff. Rent
0 BR$2,240$2,440
1 BR$2,500$2,560
2 BR$3,050$2,680
3 BR$3,900$3,230
4 BR$4,620$4,180
5 BR$5,313
6 BR$6,110
7 BR$7,026
8 BR$8,080

Purchase Price Calculator

Maximum purchase price
$336,330

Cost breakdown

+Likely effective rent$2,680
HUD FMR$3,050
Market rentUsed$2,680
Est. payment standard (92%)$2,810
Market rent is below the inferred standard ($2,810, 92% of FMR).
-Principal and interest-$1,701
Loan amount$269,064
Down payment$67,266
Rate6.50%
Term30 years
-Operating costs-$779
Property taxes-$336
Insurance-$175
Utilities$0
HOA$0
Management-$268
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$42,701(63.5% ROI)
Projected value
$362,191
Current value$336,330
Return breakdown
Property appreciation+$25,861
Loan principal paid down+$9,640
Rental cash flow+$7,200
5-year hold
+$73,387(109.1% ROI)
Projected value
$380,527
Current value$336,330
Return breakdown
Property appreciation+$44,197
Loan principal paid down+$17,191
Rental cash flow+$12,000
10-year hold
+$159,163(236.6% ROI)
Projected value
$430,531
Current value$336,330
Return breakdown
Property appreciation+$94,201
Loan principal paid down+$40,962
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
0.88ratio
FMR$2,240
Market$2,550
vs market-$310

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

90% standard$2,016 / 0.79 ratio110% standard$2,464 / 0.97 ratio
0.88
1 BR
1 BR
0.97ratio
FMR$2,500
Market$2,590
vs market-$90

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

90% standard$2,250 / 0.87 ratio110% standard$2,750 / 1.06 ratio
0.97
2 BR
2 BR
1.14ratio
FMR$3,050
Market$2,680
vs market+$370

FMR is above market; underwrite to market rent.

90% standard$2,745 / 1.02 ratio110% standard$3,355 / 1.25 ratio
1.14
3 BR
3 BR
1.21ratio
FMR$3,900
Market$3,230
vs market+$670

FMR is above market; underwrite to market rent.

90% standard$3,510 / 1.09 ratio110% standard$4,290 / 1.33 ratio
1.21
4 BR
4 BR
1.11ratio
FMR$4,620
Market$4,180
vs market+$440

FMR is above market; underwrite to market rent.

90% standard$4,158 / 0.99 ratio110% standard$5,082 / 1.22 ratio
1.11
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 94514 (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.

94514 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 94514 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,050 and the 4 bedroom fair market rent is $4,620.

Use this page for searches like 94514 FMR, 94514 fair market rent, and 94514 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 94514
Bedroom sizeHUD FMR
Studio$2,240
1 bedroom$2,500
2 bedroom$3,050
3 bedroom$3,900
4 bedroom$4,620