Skip to main content
Loading page
Alameda County/Hayward/94545

94545

ZIPSAFMR
Alameda County, CA
Zillow

ZIP Investment Score

50Below average

095130300
BRFMR
Eff. Rent
0 BR$2,180$1,890
1 BR$2,390$2,280
2 BR$2,930$2,850
3 BR$3,750$3,480
4 BR$4,440$4,000
5 BR$5,106Not available
6 BR$5,872Not available
7 BR$6,753Not available
8 BR$7,766Not available

Purchase Price Calculator

Maximum purchase price
$361,592

Cost breakdown

+Likely effective rent$2,850
HUD FMR$2,930
Market rentUsed$2,850
Est. payment standard (98%)$2,880
-Principal and interest-$1,828
Loan amount$289,274
Down payment$72,318
Rate6.50%
Term30 years
-Operating costs-$822
Property taxes-$362
Insurance-$175
Utilities$0
HOA$0
Management-$285
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$45,367(62.7% ROI)
Projected value
$389,395
Return breakdown
Property appreciation+$27,803
Loan principal paid down+$10,364
Rental cash flow+$7,200
5-year hold
+$77,998(107.9% ROI)
Projected value
$409,109
Return breakdown
Property appreciation+$47,516
Loan principal paid down+$18,482
Rental cash flow+$12,000
10-year hold
+$169,315(234.1% ROI)
Projected value
$462,869
Return breakdown
Property appreciation+$101,276
Loan principal paid down+$44,039
Rental cash flow+$24,000

Public Housing Authority

Loading Public Housing Authority

Rolodex

Loading Rolodex

Market Alignment

Studio
1.15
1 BR
1.05
2 BR
1.03
3 BR
1.08
4 BR
1.11
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 94545 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 94545 (Hayward, CA) is $2,930 a month. That is down 4.2% from $3,060 in FY 2026. Hayward is in the Oakland-Fremont, CA HUD Metro FMR Area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $2,805. Among 63 ZIP codes in Alameda County, 94545 has the 25th-highest two-bedroom rent (county range $2,630–$3,830). The median county two-bedroom FMR in California is $1,725, so ZIP 94545 is 70% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 94545
BedroomsFY 2027Change90–110% range
Studio$2,180−3.1%$1,962–$2,398
1BR$2,390−4.8%$2,151–$2,629
2BR$2,930−4.2%$2,637–$3,223
3BR$3,750−4.1%$3,375–$4,125
4BR$4,440−4.3%$3,996–$4,884

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 94545
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,180$2,390$2,930$3,750$4,440
FY 2026$2,250$2,510$3,060$3,910$4,640
FY 2025$2,040$2,310$2,820$3,610$4,290
FY 2024$1,930$2,250$2,740$3,540$4,180
FY 2023$1,770$2,100$2,570$3,360$3,960

Two-bedroom rent in nearby Alameda County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 94545
94538$3,540+20.8%
94539$3,800+29.7%
94540$2,810−4.1%
94541$2,770−5.5%
94542$3,060+4.4%
94543$2,810−4.1%
94544$2,800−4.4%
94545Current$2,930—
94546$3,040+3.8%
94550$3,200+9.2%
94551$3,100+5.8%
94552$3,520+20.1%

Questions about ZIP 94545 rents

How much will Section 8 pay for a two-bedroom in ZIP 94545?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,805, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,525 to $3,086 a month; under the ZIP-level Small Area FMR of $2,930 it would be $2,637 to $3,223. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 94545 in?

ZIP 94545 is in the Oakland-Fremont, CA HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,805.

How much did fair market rent change in ZIP 94545 for FY 2027?

The two-bedroom FMR fell 4.2%, from $3,060 in FY 2026 to $2,930 in FY 2027. Since FY 2023 it has risen 14.0%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentHayward, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources