94523
ZIPSAFMR
Contra Costa County, CA
BRFMR
Eff. Rent
0 BR$2,300$2,300
1 BR$2,560$2,260
2 BR$3,130$2,880
3 BR$4,000$4,010
4 BR$4,740$4,530
5 BR$5,451
6 BR$6,269
7 BR$7,209
8 BR$8,290

Purchase Price Calculator

Maximum purchase price
$366,050

Cost breakdown

+Likely effective rent$2,880
HUD FMR$3,130
Market rentUsed$2,880
Est. payment standard (95%)$2,970
Market rent is below the inferred standard ($2,970, 95% of FMR).
-Principal and interest-$1,851
Loan amount$292,840
Down payment$73,210
Rate6.50%
Term30 years
-Operating costs-$829
Property taxes-$366
Insurance-$175
Utilities$0
HOA$0
Management-$288
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$45,838(62.6% ROI)
Projected value
$394,196
Current value$366,050
Return breakdown
Property appreciation+$28,146
Loan principal paid down+$10,492
Rental cash flow+$7,200
5-year hold
+$78,812(107.7% ROI)
Projected value
$414,152
Current value$366,050
Return breakdown
Property appreciation+$48,102
Loan principal paid down+$18,710
Rental cash flow+$12,000
10-year hold
+$171,107(233.7% ROI)
Projected value
$468,575
Current value$366,050
Return breakdown
Property appreciation+$102,525
Loan principal paid down+$44,582
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.

1 BR
1 BR
1.13ratio
FMR$2,560
Market$2,260
vs market+$300

FMR is above market; underwrite to market rent.

90% standard$2,304 / 1.02 ratio110% standard$2,816 / 1.25 ratio
1.13
2 BR
2 BR
1.09ratio
FMR$3,130
Market$2,880
vs market+$250

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

90% standard$2,817 / 0.98 ratio110% standard$3,443 / 1.20 ratio
1.09
3 BR
3 BR
1.00ratio
FMR$4,000
Market$4,010
vs market-$10

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

90% standard$3,600 / 0.90 ratio110% standard$4,400 / 1.10 ratio
1.00
4 BR
4 BR
1.05ratio
FMR$4,740
Market$4,530
vs market+$210

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

90% standard$4,266 / 0.94 ratio110% standard$5,214 / 1.15 ratio
1.05
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 94523 (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.

94523 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 94523 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,130 and the 4 bedroom fair market rent is $4,740.

Use this page for searches like 94523 FMR, 94523 fair market rent, and 94523 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 94523
Bedroom sizeHUD FMR
Studio$2,300
1 bedroom$2,560
2 bedroom$3,130
3 bedroom$4,000
4 bedroom$4,740