95010
ZIPSAFMR
Santa Cruz County, CA
BRFMR
Eff. Rent
0 BR$3,290$2,820
1 BR$3,410$3,260
2 BR$4,360$3,740
3 BR$5,560$4,460
4 BR$5,850$5,590
5 BR$6,727
6 BR$7,737
7 BR$8,897
8 BR$10,232

Purchase Price Calculator

Maximum purchase price
$493,846

Cost breakdown

+Likely effective rent$3,740
HUD FMR$4,360
Market rentUsed$3,740
Est. payment standard (91%)$3,960
Market rent is below the inferred standard ($3,960, 91% of FMR).
-Principal and interest-$2,497
Loan amount$395,077
Down payment$98,769
Rate6.50%
Term30 years
-Operating costs-$1,043
Property taxes-$494
Insurance-$175
Utilities$0
HOA$0
Management-$374
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$59,327(60.1% ROI)
Projected value
$531,818
Current value$493,846
Return breakdown
Property appreciation+$37,972
Loan principal paid down+$14,155
Rental cash flow+$7,200
5-year hold
+$102,137(103.4% ROI)
Projected value
$558,741
Current value$493,846
Return breakdown
Property appreciation+$64,895
Loan principal paid down+$25,242
Rental cash flow+$12,000
10-year hold
+$222,465(225.2% ROI)
Projected value
$632,165
Current value$493,846
Return breakdown
Property appreciation+$138,319
Loan principal paid down+$60,146
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
1.17ratio
FMR$3,290
Market$2,820
vs market+$470

FMR is above market; underwrite to market rent.

90% standard$2,961 / 1.05 ratio110% standard$3,619 / 1.28 ratio
1.17
1 BR
1 BR
1.05ratio
FMR$3,410
Market$3,260
vs market+$150

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

90% standard$3,069 / 0.94 ratio110% standard$3,751 / 1.15 ratio
1.05
2 BR
2 BR
1.17ratio
FMR$4,360
Market$3,740
vs market+$620

FMR is above market; underwrite to market rent.

90% standard$3,924 / 1.05 ratio110% standard$4,796 / 1.28 ratio
1.17
3 BR
3 BR
1.25ratio
FMR$5,560
Market$4,460
vs market+$1,100

FMR is above market; underwrite to market rent.

90% standard$5,004 / 1.12 ratio110% standard$6,116 / 1.37 ratio
1.25
4 BR
4 BR
1.05ratio
FMR$5,850
Market$5,590
vs market+$260

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

90% standard$5,265 / 0.94 ratio110% standard$6,435 / 1.15 ratio
1.05
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 95010 (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.

95010 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95010 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $4,360 and the 4 bedroom fair market rent is $5,850.

Use this page for searches like 95010 FMR, 95010 fair market rent, and 95010 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 95010
Bedroom sizeHUD FMR
Studio$3,290
1 bedroom$3,410
2 bedroom$4,360
3 bedroom$5,560
4 bedroom$5,850