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Santa Clara County/Los Gatos/95030

95030

ZIPSAFMR
Santa Clara County, CA
Zillow

ZIP Investment Score

25Below average

095130300
BRFMR
Eff. Rent
0 BR$2,500$2,400
1 BR$2,830$2,690
2 BR$3,330$3,590
3 BR$4,470$4,920
4 BR$4,770$5,250
5 BR$5,486Not available
6 BR$6,308Not available
7 BR$7,255Not available
8 BR$8,343Not available

Purchase Price Calculator

Maximum purchase price
$471,556

Cost breakdown

+Likely effective rent$3,590
HUD FMR$3,330
Market rent$3,730
Est. payment standard (108%)Used$3,590
-Principal and interest-$2,384
Loan amount$377,245
Down payment$94,311
Rate6.50%
Term30 years
-Operating costs-$1,006
Property taxes-$472
Insurance-$175
Utilities$0
HOA$0
Management-$359
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$56,974(60.4% ROI)
Projected value
$507,814
Return breakdown
Property appreciation+$36,258
Loan principal paid down+$13,516
Rental cash flow+$7,200
5-year hold
+$98,069(104.0% ROI)
Projected value
$533,522
Return breakdown
Property appreciation+$61,966
Loan principal paid down+$24,102
Rental cash flow+$12,000
10-year hold
+$213,507(226.4% ROI)
Projected value
$603,632
Return breakdown
Property appreciation+$132,076
Loan principal paid down+$57,431
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.04
1 BR
1.05
2 BR
0.89
3 BR
0.83
4 BR
0.70
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 95030 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 95030 (Los Gatos, CA) is $3,330 a month. That is down 4.0% from $3,470 in FY 2026. Los Gatos is in the San Jose-Sunnyvale-Santa Clara, CA HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 101 ZIP codes in Santa Clara County, 95030 has the 33rd-highest two-bedroom rent (county range $2,290–$4,480). The median county two-bedroom FMR in California is $1,725, so ZIP 95030 is 93% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 95030
BedroomsFY 2027Change90–110% range
Studio$2,500−4.2%$2,250–$2,750
1BR$2,830−4.7%$2,547–$3,113
2BR$3,330−4.0%$2,997–$3,663
3BR$4,470−2.6%$4,023–$4,917
4BR$4,770−4.4%$4,293–$5,247

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 95030
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,500$2,830$3,330$4,470$4,770
FY 2026$2,610$2,970$3,470$4,590$4,990
FY 2025$2,630$3,000$3,470$4,510$4,910
FY 2024$2,420$2,740$3,180$4,070$4,490
FY 2023$2,270$2,560$3,000$3,830$4,290

Two-bedroom rent in nearby Santa Clara County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 95030
95020$2,630−21.0%
95021$3,270−1.8%
95026$3,270−1.8%
95030Current$3,330—
95031$3,270−1.8%
95032$3,630+9.0%
95033$4,480+34.5%
95035$3,700+11.1%
95036$3,270−1.8%
95037$2,750−17.4%
95038$3,270−1.8%
95044$3,270−1.8%

Questions about ZIP 95030 rents

How much will Section 8 pay for a two-bedroom in ZIP 95030?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $3,330, that basic range is $2,997 to $3,663 a month. 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 95030 in?

ZIP 95030 is in the San Jose-Sunnyvale-Santa Clara, CA HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 95030 for FY 2027?

The two-bedroom FMR fell 4.0%, from $3,470 in FY 2026 to $3,330 in FY 2027. Since FY 2023 it has risen 11.0%.

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