94582
ZIPSAFMR
Contra Costa County, CA
BRFMR
Eff. Rent
0 BR$2,610$1,910
1 BR$2,910$2,290
2 BR$3,550$3,190
3 BR$4,540$4,140
4 BR$5,380$4,570
5 BR$6,187
6 BR$7,115
7 BR$8,182
8 BR$9,410

Purchase Price Calculator

Maximum purchase price
$412,116

Cost breakdown

+Likely effective rent$3,190
HUD FMR$3,550
Market rentUsed$3,190
Est. payment standard (93%)$3,320
Market rent is below the inferred standard ($3,320, 93% of FMR).
-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
Current value$412,116
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
Current value$412,116
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
Current value$412,116
Return breakdown
Property appreciation+$115,427
Loan principal paid down+$50,192
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
1.37ratio
FMR$2,610
Market$1,910
vs market+$700

FMR is above market; underwrite to market rent.

90% standard$2,349 / 1.23 ratio110% standard$2,871 / 1.50 ratio
1.37
1 BR
1 BR
1.27ratio
FMR$2,910
Market$2,290
vs market+$620

FMR is above market; underwrite to market rent.

90% standard$2,619 / 1.14 ratio110% standard$3,201 / 1.40 ratio
1.27
2 BR
2 BR
1.11ratio
FMR$3,550
Market$3,190
vs market+$360

FMR is above market; underwrite to market rent.

90% standard$3,195 / 1.00 ratio110% standard$3,905 / 1.22 ratio
1.11
3 BR
3 BR
1.10ratio
FMR$4,540
Market$4,140
vs market+$400

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

90% standard$4,086 / 0.99 ratio110% standard$4,994 / 1.21 ratio
1.10
4 BR
4 BR
1.18ratio
FMR$5,380
Market$4,570
vs market+$810

FMR is above market; underwrite to market rent.

90% standard$4,842 / 1.06 ratio110% standard$5,918 / 1.29 ratio
1.18
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 94582 (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.

94582 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 94582 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,550 and the 4 bedroom fair market rent is $5,380.

Use this page for searches like 94582 FMR, 94582 fair market rent, and 94582 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 94582
Bedroom sizeHUD FMR
Studio$2,610
1 bedroom$2,910
2 bedroom$3,550
3 bedroom$4,540
4 bedroom$5,380