95240
ZIPSAFMR
San Joaquin County, CA
BRFMR
Eff. Rent
0 BR$1,220$1,340
1 BR$1,320$1,320
2 BR$1,650$1,630
3 BR$2,290$1,860
4 BR$2,770$2,050
5 BR$3,185
6 BR$3,663
7 BR$4,213
8 BR$4,845

Purchase Price Calculator

Maximum purchase price
$180,301

Cost breakdown

+Likely effective rent$1,630
HUD FMR$1,650
Market rentUsed$1,630
Est. payment standard (99%)$1,640
Market rent is below the inferred standard ($1,640, 99% of FMR).
-Principal and interest-$912
Loan amount$144,241
Down payment$36,060
Rate6.50%
Term30 years
-Operating costs-$518
Property taxes-$180
Insurance-$175
Utilities$0
HOA$0
Management-$163
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,231(72.7% ROI)
Projected value
$194,164
Current value$180,301
Return breakdown
Property appreciation+$13,863
Loan principal paid down+$5,168
Rental cash flow+$7,200
5-year hold
+$44,909(124.5% ROI)
Projected value
$203,994
Current value$180,301
Return breakdown
Property appreciation+$23,693
Loan principal paid down+$9,216
Rental cash flow+$12,000
10-year hold
+$96,458(267.5% ROI)
Projected value
$230,800
Current value$180,301
Return breakdown
Property appreciation+$50,499
Loan principal paid down+$21,959
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.86ratio
FMR$1,220
Market$1,420
vs market-$200

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

90% standard$1,098 / 0.77 ratio110% standard$1,342 / 0.95 ratio
0.86
2 BR
2 BR
1.01ratio
FMR$1,650
Market$1,630
vs market+$20

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

90% standard$1,485 / 0.91 ratio110% standard$1,815 / 1.11 ratio
1.01
3 BR
3 BR
1.23ratio
FMR$2,290
Market$1,860
vs market+$430

FMR is above market; underwrite to market rent.

90% standard$2,061 / 1.11 ratio110% standard$2,519 / 1.35 ratio
1.23
4 BR
4 BR
1.35ratio
FMR$2,770
Market$2,050
vs market+$720

FMR is above market; underwrite to market rent.

90% standard$2,493 / 1.22 ratio110% standard$3,047 / 1.49 ratio
1.35
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 95240 (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.

95240 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95240 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,650 and the 4 bedroom fair market rent is $2,770.

Use this page for searches like 95240 FMR, 95240 fair market rent, and 95240 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 95240
Bedroom sizeHUD FMR
Studio$1,220
1 bedroom$1,320
2 bedroom$1,650
3 bedroom$2,290
4 bedroom$2,770