95148
ZIPSAFMR
Santa Clara County, CA
BRFMR
Eff. Rent
0 BR$3,050$2,060
1 BR$3,470$2,210
2 BR$4,050$3,320
3 BR$5,350$4,200
4 BR$5,830$4,710
5 BR$6,704
6 BR$7,710
7 BR$8,867
8 BR$10,197

Purchase Price Calculator

Maximum purchase price
$431,434

Cost breakdown

+Likely effective rent$3,320
HUD FMR$4,050
Market rentUsed$3,320
Est. payment standard (90%)$3,650
Market rent is below the inferred standard ($3,650, 90% of FMR).
-Principal and interest-$2,182
Loan amount$345,147
Down payment$86,287
Rate6.50%
Term30 years
-Operating costs-$938
Property taxes-$431
Insurance-$175
Utilities$0
HOA$0
Management-$332
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$52,739(61.1% ROI)
Projected value
$464,607
Current value$431,434
Return breakdown
Property appreciation+$33,173
Loan principal paid down+$12,366
Rental cash flow+$7,200
5-year hold
+$90,746(105.2% ROI)
Projected value
$488,128
Current value$431,434
Return breakdown
Property appreciation+$56,694
Loan principal paid down+$22,052
Rental cash flow+$12,000
10-year hold
+$197,383(228.8% ROI)
Projected value
$552,272
Current value$431,434
Return breakdown
Property appreciation+$120,838
Loan principal paid down+$52,545
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
1.48ratio
FMR$3,050
Market$2,060
vs market+$990

FMR is above market; underwrite to market rent.

90% standard$2,745 / 1.33 ratio110% standard$3,355 / 1.63 ratio
1.48
1 BR
1 BR
1.57ratio
FMR$3,470
Market$2,210
vs market+$1,260

FMR is above market; underwrite to market rent.

1.57
2 BR
2 BR
1.22ratio
FMR$4,050
Market$3,320
vs market+$730

FMR is above market; underwrite to market rent.

90% standard$3,645 / 1.10 ratio110% standard$4,455 / 1.34 ratio
1.22
3 BR
3 BR
1.27ratio
FMR$5,350
Market$4,200
vs market+$1,150

FMR is above market; underwrite to market rent.

90% standard$4,815 / 1.15 ratio110% standard$5,885 / 1.40 ratio
1.27
4 BR
4 BR
1.24ratio
FMR$5,830
Market$4,710
vs market+$1,120

FMR is above market; underwrite to market rent.

90% standard$5,247 / 1.11 ratio110% standard$6,413 / 1.36 ratio
1.24
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom 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 95148 (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.

95148 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95148 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $4,050 and the 4 bedroom fair market rent is $5,830.

Use this page for searches like 95148 FMR, 95148 fair market rent, and 95148 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 95148
Bedroom sizeHUD FMR
Studio$3,050
1 bedroom$3,470
2 bedroom$4,050
3 bedroom$5,350
4 bedroom$5,830