94820
ZIPSAFMR
Contra Costa County, CA
BRFMR
Eff. Rent
0 BR$2,140$2,060
1 BR$2,380$2,450
2 BR$2,910$3,050
3 BR$3,720$3,510
4 BR$4,410$4,350
5 BR$5,072
6 BR$5,832
7 BR$6,707
8 BR$7,713

Purchase Price Calculator

Maximum purchase price
$391,312

Cost breakdown

+Likely effective rent$3,050
HUD FMR$2,910
Market rent$3,130
Est. payment standard (105%)Used$3,050
Estimated payment standard is $3,050 (105% of FMR).
-Principal and interest-$1,979
Loan amount$313,050
Down payment$78,262
Rate6.50%
Term30 years
-Operating costs-$871
Property taxes-$391
Insurance-$175
Utilities$0
HOA$0
Management-$305
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$48,504(62.0% ROI)
Projected value
$421,401
Current value$391,312
Return breakdown
Property appreciation+$30,088
Loan principal paid down+$11,216
Rental cash flow+$7,200
5-year hold
+$83,422(106.6% ROI)
Projected value
$442,734
Current value$391,312
Return breakdown
Property appreciation+$51,422
Loan principal paid down+$20,001
Rental cash flow+$12,000
10-year hold
+$181,259(231.6% ROI)
Projected value
$500,913
Current value$391,312
Return breakdown
Property appreciation+$109,601
Loan principal paid down+$47,658
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.

Studio
Studio
1.04ratio
FMR$2,140
Market$2,060
vs market+$80

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

90% standard$1,926 / 0.93 ratio110% standard$2,354 / 1.14 ratio
1.04
1 BR
1 BR
0.96ratio
FMR$2,380
Market$2,490
vs market-$110

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

90% standard$2,142 / 0.86 ratio110% standard$2,618 / 1.05 ratio
0.96
2 BR
2 BR
0.93ratio
FMR$2,910
Market$3,130
vs market-$220

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

90% standard$2,619 / 0.84 ratio110% standard$3,201 / 1.02 ratio
0.93
3 BR
3 BR
1.06ratio
FMR$3,720
Market$3,510
vs market+$210

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

90% standard$3,348 / 0.95 ratio110% standard$4,092 / 1.17 ratio
1.06
4 BR
4 BR
1.01ratio
FMR$4,410
Market$4,350
vs market+$60

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

90% standard$3,969 / 0.91 ratio110% standard$4,851 / 1.12 ratio
1.01
0.700.800.901.001.101.201.30aligned range

Voucher rents are well-aligned with market rents across 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 94820 (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.

94820 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 94820 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,910 and the 4 bedroom fair market rent is $4,410.

Use this page for searches like 94820 FMR, 94820 fair market rent, and 94820 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 94820
Bedroom sizeHUD FMR
Studio$2,140
1 bedroom$2,380
2 bedroom$2,910
3 bedroom$3,720
4 bedroom$4,410