95110
ZIPSAFMR
Santa Clara County, CA
BRFMR
Eff. Rent
0 BR$2,440$1,880
1 BR$2,770$2,000
2 BR$3,240$3,310
3 BR$4,280$4,380
4 BR$4,660$4,680
5 BR$5,359
6 BR$6,163
7 BR$7,087
8 BR$8,150

Purchase Price Calculator

Maximum purchase price
$429,948

Cost breakdown

+Likely effective rent$3,310
HUD FMR$3,240
Market rent$3,340
Est. payment standard (102%)Used$3,310
Estimated payment standard is $3,310 (102% of FMR).
-Principal and interest-$2,174
Loan amount$343,959
Down payment$85,990
Rate6.50%
Term30 years
-Operating costs-$936
Property taxes-$430
Insurance-$175
Utilities$0
HOA$0
Management-$331
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$52,582(61.1% ROI)
Projected value
$463,007
Current value$429,948
Return breakdown
Property appreciation+$33,059
Loan principal paid down+$12,323
Rental cash flow+$7,200
5-year hold
+$90,474(105.2% ROI)
Projected value
$486,447
Current value$429,948
Return breakdown
Property appreciation+$56,499
Loan principal paid down+$21,976
Rental cash flow+$12,000
10-year hold
+$196,786(228.8% ROI)
Projected value
$550,370
Current value$429,948
Return breakdown
Property appreciation+$120,422
Loan principal paid down+$52,364
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
1.30ratio
FMR$2,440
Market$1,880
vs market+$560

FMR is above market; underwrite to market rent.

90% standard$2,196 / 1.17 ratio110% standard$2,684 / 1.43 ratio
1.30
1 BR
1 BR
1.39ratio
FMR$2,770
Market$2,000
vs market+$770

FMR is above market; underwrite to market rent.

90% standard$2,493 / 1.25 ratio110% standard$3,047 / 1.52 ratio
1.39
2 BR
2 BR
0.97ratio
FMR$3,240
Market$3,340
vs market-$100

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

90% standard$2,916 / 0.87 ratio110% standard$3,564 / 1.07 ratio
0.97
3 BR
3 BR
0.96ratio
FMR$4,280
Market$4,440
vs market-$160

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

90% standard$3,852 / 0.87 ratio110% standard$4,708 / 1.06 ratio
0.96
4 BR
4 BR
0.99ratio
FMR$4,660
Market$4,690
vs market-$30

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

90% standard$4,194 / 0.89 ratio110% standard$5,126 / 1.09 ratio
0.99
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 95110 (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.

95110 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95110 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,240 and the 4 bedroom fair market rent is $4,660.

Use this page for searches like 95110 FMR, 95110 fair market rent, and 95110 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 95110
Bedroom sizeHUD FMR
Studio$2,440
1 bedroom$2,770
2 bedroom$3,240
3 bedroom$4,280
4 bedroom$4,660