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San Benito County/Tres Pinos/95075

95075

ZIPSAFMR
San Benito County, CA
Zillow

ZIP Investment Score

69Below average

095130300
BRFMR
Eff. Rent
0 BR$2,980$2,980
1 BR$2,990$2,990
2 BR$3,920$3,920
3 BR$5,320$5,320
4 BR$5,660$5,660
5 BR$6,509Not available
6 BR$7,485Not available
7 BR$8,608Not available
8 BR$9,899Not available

Purchase Price Calculator

Maximum purchase price
$520,594

Cost breakdown

+Likely effective rent$3,920
HUD FMRUsed$3,920
Market rentN/A
Est. payment standardN/A
-Principal and interest-$2,632
Loan amount$416,475
Down payment$104,119
Rate6.50%
Term30 years
-Operating costs-$1,088
Property taxes-$521
Insurance-$175
Utilities$0
HOA$0
Management-$392
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$62,150(59.7% ROI)
Projected value
$560,623
Return breakdown
Property appreciation+$40,029
Loan principal paid down+$14,921
Rental cash flow+$7,200
5-year hold
+$107,019(102.8% ROI)
Projected value
$589,004
Return breakdown
Property appreciation+$68,410
Loan principal paid down+$26,609
Rental cash flow+$12,000
10-year hold
+$233,214(224.0% ROI)
Projected value
$666,404
Return breakdown
Property appreciation+$145,810
Loan principal paid down+$63,404
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
--
Tax rate
--
Mortgage rate
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ZIP 95075 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 95075 (Tres Pinos, CA) is $3,920 a month. That is down 9.9% from $4,350 in FY 2026. Tres Pinos is in the San Benito County, CA HUD Metro FMR Area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $3,004. Among 5 ZIP codes in San Benito County, 95075 has the highest two-bedroom rent (county range $2,620–$3,920). The median county two-bedroom FMR in California is $1,725, so ZIP 95075 is 127% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 95075
BedroomsFY 2027Change90–110% range
Studio$2,980−10.0%$2,682–$3,278
1BR$2,990−9.9%$2,691–$3,289
2BR$3,920−9.9%$3,528–$4,312
3BR$5,320−10.0%$4,788–$5,852
4BR$5,660−9.9%$5,094–$6,226

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 95075
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,980$2,990$3,920$5,320$5,660
FY 2026$3,310$3,320$4,350$5,910$6,280
FY 2025$2,690$3,000$3,930$5,480$6,060
FY 2024$2,560$2,880$3,780$5,330$6,180
FY 2023$1,990$2,260$2,970$4,220$5,060

Two-bedroom rent in nearby San Benito County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 95075
95023$3,010−23.2%
95024$3,000−23.5%
95043$2,620−33.2%
95045$3,230−17.6%
95075Current$3,920—

Questions about ZIP 95075 rents

How much will Section 8 pay for a two-bedroom in ZIP 95075?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $3,004, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,704 to $3,304 a month; under the ZIP-level Small Area FMR of $3,920 it would be $3,528 to $4,312. 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 95075 in?

ZIP 95075 is in the San Benito County, CA HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $3,004.

How much did fair market rent change in ZIP 95075 for FY 2027?

The two-bedroom FMR fell 9.9%, from $4,350 in FY 2026 to $3,920 in FY 2027. Since FY 2023 it has risen 32.0%.

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 rentTres Pinos, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources