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Alameda County/San Leandro/94578

94578

ZIPSAFMR
Alameda County, CA
Zillow

ZIP Investment Score

53Below average

095130300
BRFMR
Eff. Rent
0 BR$1,990$1,730
1 BR$2,180$2,110
2 BR$2,670$2,770
3 BR$3,420$3,490
4 BR$4,050$3,700
5 BR$4,658Not available
6 BR$5,356Not available
7 BR$6,160Not available
8 BR$7,083Not available

Purchase Price Calculator

Maximum purchase price
$349,704

Cost breakdown

+Likely effective rent$2,770
HUD FMR$2,670
Market rent$2,820
Est. payment standard (104%)Used$2,770
-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
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
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
Return breakdown
Property appreciation+$97,947
Loan principal paid down+$42,591
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.15
1 BR
1.03
2 BR
0.95
3 BR
0.97
4 BR
1.09
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 94578 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 94578 (San Leandro, CA) is $2,670 a month. That is down 1.5% from $2,710 in FY 2026. San Leandro 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, 94578 is tied for the 50th-highest two-bedroom rent (county range $2,630–$3,830). The median county two-bedroom FMR in California is $1,725, so ZIP 94578 is 55% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 94578
BedroomsFY 2027Change90–110% range
Studio$1,9900.0%$1,791–$2,189
1BR$2,180−1.8%$1,962–$2,398
2BR$2,670−1.5%$2,403–$2,937
3BR$3,420−1.4%$3,078–$3,762
4BR$4,050−1.5%$3,645–$4,455

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 94578
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,990$2,180$2,670$3,420$4,050
FY 2026$1,990$2,220$2,710$3,470$4,110
FY 2025$1,680$1,920$2,340$3,010$3,560
FY 2024$1,610$1,880$2,290$2,950$3,500
FY 2023$1,480$1,760$2,150$2,810$3,310

Two-bedroom rent in nearby Alameda County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 94578
94555$3,830+43.4%
94557$2,810+5.2%
94560$3,290+23.2%
94566$3,150+18.0%
94568$3,810+42.7%
94577$2,730+2.2%
94578Current$2,670—
94579$2,630−1.5%
94580$2,6700.0%
94586$3,510+31.5%
94587$3,070+15.0%
94588$3,770+41.2%

Questions about ZIP 94578 rents

How much will Section 8 pay for a two-bedroom in ZIP 94578?

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 $2,670 it would be $2,403 to $2,937. 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 94578 in?

ZIP 94578 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 94578 for FY 2027?

The two-bedroom FMR fell 1.5%, from $2,710 in FY 2026 to $2,670 in FY 2027. Since FY 2023 it has risen 24.2%.

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 rentSan Leandro, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources