95151
ZIPSAFMR
Santa Clara County, CA
BRFMR
Eff. Rent
0 BR$2,620$2,320
1 BR$2,980$2,570
2 BR$3,480$3,580
3 BR$4,600$4,260
4 BR$5,010$4,740
5 BR$5,762
6 BR$6,626
7 BR$7,620
8 BR$8,763

Purchase Price Calculator

Maximum purchase price
$470,070

Cost breakdown

+Likely effective rent$3,580
HUD FMR$3,480
Market rent$3,630
Est. payment standard (103%)Used$3,580
Estimated payment standard is $3,580 (103% of FMR).
-Principal and interest-$2,377
Loan amount$376,056
Down payment$94,014
Rate6.50%
Term30 years
-Operating costs-$1,003
Property taxes-$470
Insurance-$175
Utilities$0
HOA$0
Management-$358
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$56,817(60.4% ROI)
Projected value
$506,214
Current value$470,070
Return breakdown
Property appreciation+$36,144
Loan principal paid down+$13,473
Rental cash flow+$7,200
5-year hold
+$97,797(104.0% ROI)
Projected value
$531,841
Current value$470,070
Return breakdown
Property appreciation+$61,771
Loan principal paid down+$24,026
Rental cash flow+$12,000
10-year hold
+$212,910(226.5% ROI)
Projected value
$601,729
Current value$470,070
Return breakdown
Property appreciation+$131,659
Loan principal paid down+$57,250
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
1.13ratio
FMR$2,620
Market$2,320
vs market+$300

FMR is above market; underwrite to market rent.

90% standard$2,358 / 1.02 ratio110% standard$2,882 / 1.24 ratio
1.13
1 BR
1 BR
1.16ratio
FMR$2,980
Market$2,570
vs market+$410

FMR is above market; underwrite to market rent.

90% standard$2,682 / 1.04 ratio110% standard$3,278 / 1.28 ratio
1.16
2 BR
2 BR
0.96ratio
FMR$3,480
Market$3,630
vs market-$150

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

90% standard$3,132 / 0.86 ratio110% standard$3,828 / 1.05 ratio
0.96
3 BR
3 BR
1.08ratio
FMR$4,600
Market$4,260
vs market+$340

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

90% standard$4,140 / 0.97 ratio110% standard$5,060 / 1.19 ratio
1.08
4 BR
4 BR
1.06ratio
FMR$5,010
Market$4,740
vs market+$270

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

90% standard$4,509 / 0.95 ratio110% standard$5,511 / 1.16 ratio
1.06
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 95151 (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.

95151 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95151 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,480 and the 4 bedroom fair market rent is $5,010.

Use this page for searches like 95151 FMR, 95151 fair market rent, and 95151 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 95151
Bedroom sizeHUD FMR
Studio$2,620
1 bedroom$2,980
2 bedroom$3,480
3 bedroom$4,600
4 bedroom$5,010