95122
ZIPSAFMR
Santa Clara County, CA
BRFMR
Eff. Rent
0 BR$2,120$1,960
1 BR$2,410$2,470
2 BR$2,820$3,100
3 BR$3,730$3,910
4 BR$4,060$4,250
5 BR$4,669
6 BR$5,369
7 BR$6,175
8 BR$7,101

Purchase Price Calculator

Maximum purchase price
$398,742

Cost breakdown

+Likely effective rent$3,100
HUD FMR$2,820
Market rent$3,250
Est. payment standard (110%)Used$3,100
Estimated payment standard is $3,100 (110% of FMR).
-Principal and interest-$2,016
Loan amount$318,994
Down payment$79,748
Rate6.50%
Term30 years
-Operating costs-$884
Property taxes-$399
Insurance-$175
Utilities$0
HOA$0
Management-$310
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$49,288(61.8% ROI)
Projected value
$429,402
Current value$398,742
Return breakdown
Property appreciation+$30,660
Loan principal paid down+$11,429
Rental cash flow+$7,200
5-year hold
+$84,779(106.3% ROI)
Projected value
$451,140
Current value$398,742
Return breakdown
Property appreciation+$52,398
Loan principal paid down+$20,381
Rental cash flow+$12,000
10-year hold
+$184,245(231.0% ROI)
Projected value
$510,424
Current value$398,742
Return breakdown
Property appreciation+$111,682
Loan principal paid down+$48,563
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
1.08ratio
FMR$2,120
Market$1,960
vs market+$160

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

90% standard$1,908 / 0.97 ratio110% standard$2,332 / 1.19 ratio
1.08
1 BR
1 BR
0.96ratio
FMR$2,410
Market$2,500
vs market-$90

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

90% standard$2,169 / 0.87 ratio110% standard$2,651 / 1.06 ratio
0.96
2 BR
2 BR
0.87ratio
FMR$2,820
Market$3,250
vs market-$430

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

90% standard$2,538 / 0.78 ratio110% standard$3,102 / 0.95 ratio
0.87
3 BR
3 BR
0.93ratio
FMR$3,730
Market$4,000
vs market-$270

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

90% standard$3,357 / 0.84 ratio110% standard$4,103 / 1.03 ratio
0.93
4 BR
4 BR
0.93ratio
FMR$4,060
Market$4,350
vs market-$290

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

90% standard$3,654 / 0.84 ratio110% standard$4,466 / 1.03 ratio
0.93
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 95122 (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.

95122 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95122 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,820 and the 4 bedroom fair market rent is $4,060.

Use this page for searches like 95122 FMR, 95122 fair market rent, and 95122 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 95122
Bedroom sizeHUD FMR
Studio$2,120
1 bedroom$2,410
2 bedroom$2,820
3 bedroom$3,730
4 bedroom$4,060