95301
ZIPSAFMR
Merced County, CA
BRFMR
Eff. Rent
0 BR$1,150$1,140
1 BR$1,250$1,110
2 BR$1,550$1,690
3 BR$2,130$2,140
4 BR$2,580$2,370
5 BR$2,967
6 BR$3,412
7 BR$3,924
8 BR$4,512

Purchase Price Calculator

Maximum purchase price
$189,217

Cost breakdown

+Likely effective rent$1,690
HUD FMR$1,550
Market rent$1,770
Est. payment standard (109%)Used$1,690
Estimated payment standard is $1,690 (109% of FMR).
-Principal and interest-$957
Loan amount$151,373
Down payment$37,843
Rate6.50%
Term30 years
-Operating costs-$533
Property taxes-$189
Insurance-$175
Utilities$0
HOA$0
Management-$169
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,172(71.8% ROI)
Projected value
$203,766
Current value$189,217
Return breakdown
Property appreciation+$14,549
Loan principal paid down+$5,423
Rental cash flow+$7,200
5-year hold
+$46,536(123.0% ROI)
Projected value
$214,081
Current value$189,217
Return breakdown
Property appreciation+$24,865
Loan principal paid down+$9,671
Rental cash flow+$12,000
10-year hold
+$100,042(264.4% ROI)
Projected value
$242,214
Current value$189,217
Return breakdown
Property appreciation+$52,997
Loan principal paid down+$23,045
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
1.01ratio
FMR$1,150
Market$1,140
vs market+$10

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

90% standard$1,035 / 0.91 ratio110% standard$1,265 / 1.11 ratio
1.01
1 BR
1 BR
1.13ratio
FMR$1,250
Market$1,110
vs market+$140

FMR is above market; underwrite to market rent.

90% standard$1,125 / 1.01 ratio110% standard$1,375 / 1.24 ratio
1.13
2 BR
2 BR
0.88ratio
FMR$1,550
Market$1,770
vs market-$220

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

90% standard$1,395 / 0.79 ratio110% standard$1,705 / 0.96 ratio
0.88
3 BR
3 BR
1.00ratio
FMR$2,130
Market$2,140
vs market-$10

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

90% standard$1,917 / 0.90 ratio110% standard$2,343 / 1.09 ratio
1.00
4 BR
4 BR
1.09ratio
FMR$2,580
Market$2,370
vs market+$210

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

90% standard$2,322 / 0.98 ratio110% standard$2,838 / 1.20 ratio
1.09
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 95301 (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.

95301 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95301 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,550 and the 4 bedroom fair market rent is $2,580.

Use this page for searches like 95301 FMR, 95301 fair market rent, and 95301 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 95301
Bedroom sizeHUD FMR
Studio$1,150
1 bedroom$1,250
2 bedroom$1,550
3 bedroom$2,130
4 bedroom$2,580