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Contra Costa County/San Ramon/94582

94582

ZIPSAFMR
Contra Costa County, CA
Zillow

ZIP Investment Score

40Below average

095130300
BRFMR
Eff. Rent
0 BR$2,550$1,910
1 BR$2,800$2,290
2 BR$3,430$3,190
3 BR$4,390$4,140
4 BR$5,200$4,570
5 BR$5,980Not available
6 BR$6,877Not available
7 BR$7,909Not available
8 BR$9,095Not available

Purchase Price Calculator

Maximum purchase price
$412,116

Cost breakdown

+Likely effective rent$3,190
HUD FMR$3,430
Market rentUsed$3,190
Est. payment standard (95%)$3,270
-Principal and interest-$2,084
Loan amount$329,693
Down payment$82,423
Rate6.50%
Term30 years
-Operating costs-$906
Property taxes-$412
Insurance-$175
Utilities$0
HOA$0
Management-$319
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$50,700(61.5% ROI)
Projected value
$443,804
Return breakdown
Property appreciation+$31,688
Loan principal paid down+$11,812
Rental cash flow+$7,200
5-year hold
+$87,220(105.8% ROI)
Projected value
$466,272
Return breakdown
Property appreciation+$54,155
Loan principal paid down+$21,064
Rental cash flow+$12,000
10-year hold
+$189,619(230.1% ROI)
Projected value
$527,544
Return breakdown
Property appreciation+$115,427
Loan principal paid down+$50,192
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.34
1 BR
1.22
2 BR
1.08
3 BR
1.06
4 BR
1.14
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 94582 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 94582 (San Ramon, CA) is $3,430 a month. That is down 3.4% from $3,550 in FY 2026. San Ramon 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 49 ZIP codes in Contra Costa County, 94582 has the 10th-highest two-bedroom rent (county range $2,630–$3,650). The median county two-bedroom FMR in California is $1,725, so ZIP 94582 is 99% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 94582
BedroomsFY 2027Change90–110% range
Studio$2,550−2.3%$2,295–$2,805
1BR$2,800−3.8%$2,520–$3,080
2BR$3,430−3.4%$3,087–$3,773
3BR$4,390−3.3%$3,951–$4,829
4BR$5,200−3.3%$4,680–$5,720

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 94582
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,550$2,800$3,430$4,390$5,200
FY 2026$2,610$2,910$3,550$4,540$5,380
FY 2025$2,350$2,670$3,250$4,160$4,940
FY 2024$2,280$2,660$3,230$4,170$4,930
FY 2023$2,140$2,540$3,100$4,050$4,780

Two-bedroom rent in nearby Contra Costa County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 94582
94564$3,080−10.2%
94565$2,630−23.3%
94569$2,720−20.7%
94570$2,790−18.7%
94572$2,630−23.3%
94575$3,480+1.5%
94582Current$3,430—
94583$3,550+3.5%
94595$2,820−17.8%
94596$3,250−5.2%
94597$3,140−8.5%
94598$3,630+5.8%

Questions about ZIP 94582 rents

How much will Section 8 pay for a two-bedroom in ZIP 94582?

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 $3,430 it would be $3,087 to $3,773. 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 94582 in?

ZIP 94582 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 94582 for FY 2027?

The two-bedroom FMR fell 3.4%, from $3,550 in FY 2026 to $3,430 in FY 2027. Since FY 2023 it has risen 10.6%.

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