95120
ZIPSAFMR
Santa Clara County, CA
BRFMR
Eff. Rent
0 BR$2,700$2,970
1 BR$3,030$3,280
2 BR$3,580$3,900
3 BR$4,710$4,340
4 BR$5,100$5,440
5 BR$5,865
6 BR$6,745
7 BR$7,756
8 BR$8,920

Purchase Price Calculator

Maximum purchase price
$517,622

Cost breakdown

+Likely effective rent$3,900
HUD FMR$3,580
Market rent$4,070
Est. payment standard (109%)Used$3,900
Estimated payment standard is $3,900 (109% of FMR).
-Principal and interest-$2,617
Loan amount$414,098
Down payment$103,524
Rate6.50%
Term30 years
-Operating costs-$1,083
Property taxes-$518
Insurance-$175
Utilities$0
HOA$0
Management-$390
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$61,836(59.7% ROI)
Projected value
$557,422
Current value$517,622
Return breakdown
Property appreciation+$39,800
Loan principal paid down+$14,836
Rental cash flow+$7,200
5-year hold
+$106,477(102.9% ROI)
Projected value
$585,642
Current value$517,622
Return breakdown
Property appreciation+$68,020
Loan principal paid down+$26,457
Rental cash flow+$12,000
10-year hold
+$232,020(224.1% ROI)
Projected value
$662,600
Current value$517,622
Return breakdown
Property appreciation+$144,978
Loan principal paid down+$63,042
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
0.82ratio
FMR$2,700
Market$3,310
vs market-$610

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

90% standard$2,430 / 0.73 ratio110% standard$2,970 / 0.90 ratio
0.82
1 BR
1 BR
0.89ratio
FMR$3,030
Market$3,420
vs market-$390

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

90% standard$2,727 / 0.80 ratio110% standard$3,333 / 0.97 ratio
0.89
2 BR
2 BR
0.88ratio
FMR$3,580
Market$4,070
vs market-$490

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

90% standard$3,222 / 0.79 ratio110% standard$3,938 / 0.97 ratio
0.88
3 BR
3 BR
1.09ratio
FMR$4,710
Market$4,340
vs market+$370

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

90% standard$4,239 / 0.98 ratio110% standard$5,181 / 1.19 ratio
1.09
4 BR
4 BR
0.91ratio
FMR$5,100
Market$5,630
vs market-$530

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

90% standard$4,590 / 0.82 ratio110% standard$5,610 / 1.00 ratio
0.91
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 95120 (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.

95120 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95120 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,580 and the 4 bedroom fair market rent is $5,100.

Use this page for searches like 95120 FMR, 95120 fair market rent, and 95120 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 95120
Bedroom sizeHUD FMR
Studio$2,700
1 bedroom$3,030
2 bedroom$3,580
3 bedroom$4,710
4 bedroom$5,100