95126
ZIPSAFMR
Santa Clara County, CA
BRFMR
Eff. Rent
0 BR$2,560$2,040
1 BR$2,910$2,410
2 BR$3,400$3,260
3 BR$4,490$4,610
4 BR$4,890$5,210
5 BR$5,624
6 BR$6,467
7 BR$7,437
8 BR$8,553

Purchase Price Calculator

Maximum purchase price
$422,518

Cost breakdown

+Likely effective rent$3,260
HUD FMR$3,400
Market rentUsed$3,260
Est. payment standard (97%)$3,310
Market rent is below the inferred standard ($3,310, 97% of FMR).
-Principal and interest-$2,136
Loan amount$338,015
Down payment$84,504
Rate6.50%
Term30 years
-Operating costs-$924
Property taxes-$423
Insurance-$175
Utilities$0
HOA$0
Management-$326
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$51,798(61.3% ROI)
Projected value
$455,006
Current value$422,518
Return breakdown
Property appreciation+$32,488
Loan principal paid down+$12,110
Rental cash flow+$7,200
5-year hold
+$89,118(105.5% ROI)
Projected value
$478,041
Current value$422,518
Return breakdown
Property appreciation+$55,522
Loan principal paid down+$21,596
Rental cash flow+$12,000
10-year hold
+$193,800(229.3% ROI)
Projected value
$540,859
Current value$422,518
Return breakdown
Property appreciation+$118,341
Loan principal paid down+$51,459
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
1.25ratio
FMR$2,560
Market$2,040
vs market+$520

FMR is above market; underwrite to market rent.

90% standard$2,304 / 1.13 ratio110% standard$2,816 / 1.38 ratio
1.25
1 BR
1 BR
1.21ratio
FMR$2,910
Market$2,410
vs market+$500

FMR is above market; underwrite to market rent.

90% standard$2,619 / 1.09 ratio110% standard$3,201 / 1.33 ratio
1.21
2 BR
2 BR
1.04ratio
FMR$3,400
Market$3,260
vs market+$140

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

90% standard$3,060 / 0.94 ratio110% standard$3,740 / 1.15 ratio
1.04
3 BR
3 BR
0.96ratio
FMR$4,490
Market$4,670
vs market-$180

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

90% standard$4,041 / 0.87 ratio110% standard$4,939 / 1.06 ratio
0.96
4 BR
4 BR
0.91ratio
FMR$4,890
Market$5,380
vs market-$490

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

90% standard$4,401 / 0.82 ratio110% standard$5,379 / 1.00 ratio
0.91
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 95126 (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.

95126 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95126 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,400 and the 4 bedroom fair market rent is $4,890.

Use this page for searches like 95126 FMR, 95126 fair market rent, and 95126 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 95126
Bedroom sizeHUD FMR
Studio$2,560
1 bedroom$2,910
2 bedroom$3,400
3 bedroom$4,490
4 bedroom$4,890