95064
ZIPSAFMR
Santa Cruz County, CA
BRFMR
Eff. Rent
0 BR$2,760$2,430
1 BR$2,900$2,770
2 BR$3,810$3,600
3 BR$4,740$5,210
4 BR$5,050$5,560
5 BR$5,808
6 BR$6,679
7 BR$7,680
8 BR$8,832

Purchase Price Calculator

Maximum purchase price
$473,042

Cost breakdown

+Likely effective rent$3,600
HUD FMR$3,810
Market rentUsed$3,600
Est. payment standard (96%)$3,670
Market rent is below the inferred standard ($3,670, 96% of FMR).
-Principal and interest-$2,392
Loan amount$378,434
Down payment$94,608
Rate6.50%
Term30 years
-Operating costs-$1,008
Property taxes-$473
Insurance-$175
Utilities$0
HOA$0
Management-$360
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$57,131(60.4% ROI)
Projected value
$509,415
Current value$473,042
Return breakdown
Property appreciation+$36,372
Loan principal paid down+$13,558
Rental cash flow+$7,200
5-year hold
+$98,340(103.9% ROI)
Projected value
$535,204
Current value$473,042
Return breakdown
Property appreciation+$62,162
Loan principal paid down+$24,178
Rental cash flow+$12,000
10-year hold
+$214,104(226.3% ROI)
Projected value
$605,534
Current value$473,042
Return breakdown
Property appreciation+$132,492
Loan principal paid down+$57,612
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
1.14ratio
FMR$2,760
Market$2,430
vs market+$330

FMR is above market; underwrite to market rent.

90% standard$2,484 / 1.02 ratio110% standard$3,036 / 1.25 ratio
1.14
1 BR
1 BR
1.05ratio
FMR$2,900
Market$2,770
vs market+$130

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

90% standard$2,610 / 0.94 ratio110% standard$3,190 / 1.15 ratio
1.05
2 BR
2 BR
1.06ratio
FMR$3,810
Market$3,600
vs market+$210

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

90% standard$3,429 / 0.95 ratio110% standard$4,191 / 1.16 ratio
1.06
3 BR
3 BR
0.83ratio
FMR$4,740
Market$5,690
vs market-$950

FMR is below market; voucher rent may lag private rents.

90% standard$4,266 / 0.75 ratio110% standard$5,214 / 0.92 ratio
0.83
4 BR
4 BR
0.72ratio
FMR$5,050
Market$6,980
vs market-$1,930

FMR is below market; voucher rent may lag private rents.

90% standard$4,545 / 0.65 ratio110% standard$5,555 / 0.80 ratio
0.72
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 95064 (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.

95064 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95064 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,810 and the 4 bedroom fair market rent is $5,050.

Use this page for searches like 95064 FMR, 95064 fair market rent, and 95064 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 95064
Bedroom sizeHUD FMR
Studio$2,760
1 bedroom$2,900
2 bedroom$3,810
3 bedroom$4,740
4 bedroom$5,050