95113
ZIPSAFMR
Santa Clara County, CA
BRFMR
Eff. Rent
0 BR$2,850$2,050
1 BR$3,240$2,170
2 BR$3,790$3,540
3 BR$5,010$3,410
4 BR$5,450$3,150
5 BR$6,267
6 BR$7,208
7 BR$8,289
8 BR$9,532

Purchase Price Calculator

Maximum purchase price
$464,126

Cost breakdown

+Likely effective rent$3,540
HUD FMR$3,790
Market rentUsed$3,540
Est. payment standard (96%)$3,630
Market rent is below the inferred standard ($3,630, 96% of FMR).
-Principal and interest-$2,347
Loan amount$371,301
Down payment$92,825
Rate6.50%
Term30 years
-Operating costs-$993
Property taxes-$464
Insurance-$175
Utilities$0
HOA$0
Management-$354
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$56,190(60.5% ROI)
Projected value
$499,813
Current value$464,126
Return breakdown
Property appreciation+$35,687
Loan principal paid down+$13,303
Rental cash flow+$7,200
5-year hold
+$96,712(104.2% ROI)
Projected value
$525,116
Current value$464,126
Return breakdown
Property appreciation+$60,990
Loan principal paid down+$23,722
Rental cash flow+$12,000
10-year hold
+$210,521(226.8% ROI)
Projected value
$594,121
Current value$464,126
Return breakdown
Property appreciation+$129,995
Loan principal paid down+$56,526
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
1.39ratio
FMR$2,850
Market$2,050
vs market+$800

FMR is above market; underwrite to market rent.

90% standard$2,565 / 1.25 ratio110% standard$3,135 / 1.53 ratio
1.39
1 BR
1 BR
1.49ratio
FMR$3,240
Market$2,170
vs market+$1,070

FMR is above market; underwrite to market rent.

90% standard$2,916 / 1.34 ratio110% standard$3,564 / 1.64 ratio
1.49
2 BR
2 BR
1.07ratio
FMR$3,790
Market$3,540
vs market+$250

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

90% standard$3,411 / 0.96 ratio110% standard$4,169 / 1.18 ratio
1.07
3 BR
3 BR
1.47ratio
FMR$5,010
Market$3,410
vs market+$1,600

FMR is above market; underwrite to market rent.

90% standard$4,509 / 1.32 ratio110% standard$5,511 / 1.62 ratio
1.47
4 BR
4 BR
1.73ratio
FMR$5,450
Market$3,150
vs market+$2,300

FMR is above market; underwrite to market rent.

1.73
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 95113 (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.

95113 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95113 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,790 and the 4 bedroom fair market rent is $5,450.

Use this page for searches like 95113 FMR, 95113 fair market rent, and 95113 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 95113
Bedroom sizeHUD FMR
Studio$2,850
1 bedroom$3,240
2 bedroom$3,790
3 bedroom$5,010
4 bedroom$5,450