94576
ZIPSAFMR
Napa County, CA
BRFMR
Eff. Rent
0 BR$1,730$1,730
1 BR$1,920$2,110
2 BR$2,520$2,770
3 BR$3,280$3,610
4 BR$3,730$4,100
5 BR$4,290
6 BR$4,933
7 BR$5,673
8 BR$6,524

Purchase Price Calculator

Maximum purchase price
$349,704

Cost breakdown

+Likely effective rent$2,770
HUD FMR$2,520
Market rent$3,400
Est. payment standard (110%)Used$2,770
Estimated payment standard is $2,770 (110% of FMR).
-Principal and interest-$1,768
Loan amount$279,764
Down payment$69,941
Rate6.50%
Term30 years
-Operating costs-$802
Property taxes-$350
Insurance-$175
Utilities$0
HOA$0
Management-$277
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$44,112(63.1% ROI)
Projected value
$376,593
Current value$349,704
Return breakdown
Property appreciation+$26,889
Loan principal paid down+$10,023
Rental cash flow+$7,200
5-year hold
+$75,828(108.4% ROI)
Projected value
$395,658
Current value$349,704
Return breakdown
Property appreciation+$45,954
Loan principal paid down+$17,874
Rental cash flow+$12,000
10-year hold
+$164,538(235.3% ROI)
Projected value
$447,651
Current value$349,704
Return breakdown
Property appreciation+$97,947
Loan principal paid down+$42,591
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
0.53ratio
FMR$1,920
Market$3,650
vs market-$1,730

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

0.53
2 BR
2 BR
0.74ratio
FMR$2,520
Market$3,400
vs market-$880

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

90% standard$2,268 / 0.67 ratio110% standard$2,772 / 0.82 ratio
0.74
3 BR
3 BR
0.69ratio
FMR$3,280
Market$4,770
vs market-$1,490

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

90% standard$2,952 / 0.62 ratio110% standard$3,608 / 0.76 ratio
0.69
4 BR
4 BR
0.51ratio
FMR$3,730
Market$7,260
vs market-$3,530

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

0.51
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 94576 (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.

94576 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 94576 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,520 and the 4 bedroom fair market rent is $3,730.

Use this page for searches like 94576 FMR, 94576 fair market rent, and 94576 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 94576
Bedroom sizeHUD FMR
Studio$1,730
1 bedroom$1,920
2 bedroom$2,520
3 bedroom$3,280
4 bedroom$3,730