95020
ZIPSAFMR
Santa Clara County, CA
BRFMR
Eff. Rent
0 BR$2,070$2,210
1 BR$2,350$2,400
2 BR$2,750$2,820
3 BR$3,630$3,500
4 BR$3,960$3,880
5 BR$4,554
6 BR$5,237
7 BR$6,023
8 BR$6,926

Purchase Price Calculator

Maximum purchase price
$357,134

Cost breakdown

+Likely effective rent$2,820
HUD FMR$2,750
Market rent$2,860
Est. payment standard (103%)Used$2,820
Estimated payment standard is $2,820 (103% of FMR).
-Principal and interest-$1,806
Loan amount$285,707
Down payment$71,427
Rate6.50%
Term30 years
-Operating costs-$814
Property taxes-$357
Insurance-$175
Utilities$0
HOA$0
Management-$282
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$44,896(62.9% ROI)
Projected value
$384,595
Current value$357,134
Return breakdown
Property appreciation+$27,460
Loan principal paid down+$10,236
Rental cash flow+$7,200
5-year hold
+$77,184(108.1% ROI)
Projected value
$404,065
Current value$357,134
Return breakdown
Property appreciation+$46,930
Loan principal paid down+$18,254
Rental cash flow+$12,000
10-year hold
+$167,524(234.5% ROI)
Projected value
$457,162
Current value$357,134
Return breakdown
Property appreciation+$100,028
Loan principal paid down+$43,496
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
0.91ratio
FMR$2,070
Market$2,280
vs market-$210

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

90% standard$1,863 / 0.82 ratio110% standard$2,277 / 1.00 ratio
0.91
1 BR
1 BR
0.97ratio
FMR$2,350
Market$2,420
vs market-$70

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

90% standard$2,115 / 0.87 ratio110% standard$2,585 / 1.07 ratio
0.97
2 BR
2 BR
0.96ratio
FMR$2,750
Market$2,860
vs market-$110

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

90% standard$2,475 / 0.87 ratio110% standard$3,025 / 1.06 ratio
0.96
3 BR
3 BR
1.04ratio
FMR$3,630
Market$3,500
vs market+$130

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

90% standard$3,267 / 0.93 ratio110% standard$3,993 / 1.14 ratio
1.04
4 BR
4 BR
1.02ratio
FMR$3,960
Market$3,880
vs market+$80

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

90% standard$3,564 / 0.92 ratio110% standard$4,356 / 1.12 ratio
1.02
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 95020 (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.

95020 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95020 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,750 and the 4 bedroom fair market rent is $3,960.

Use this page for searches like 95020 FMR, 95020 fair market rent, and 95020 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 95020
Bedroom sizeHUD FMR
Studio$2,070
1 bedroom$2,350
2 bedroom$2,750
3 bedroom$3,630
4 bedroom$3,960