95321
ZIPSAFMR
Tuolumne County, CA
BRFMR
Eff. Rent
0 BR$1,230$1,230
1 BR$1,420$1,420
2 BR$1,790$1,790
3 BR$2,340$2,340
4 BR$3,000$3,000
5 BR$3,450
6 BR$3,967
7 BR$4,563
8 BR$5,247

Purchase Price Calculator

Maximum purchase price
$204,077

Cost breakdown

+Likely effective rent$1,790
HUD FMRUsed$1,790
Market rentN/A
Est. payment standardN/A
HUD FMR fallback; market rent is unavailable.
-Principal and interest-$1,032
Loan amount$163,261
Down payment$40,815
Rate6.50%
Term30 years
-Operating costs-$558
Property taxes-$204
Insurance-$175
Utilities$0
HOA$0
Management-$179
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,741(70.4% ROI)
Projected value
$219,768
Current value$204,077
Return breakdown
Property appreciation+$15,692
Loan principal paid down+$5,849
Rental cash flow+$7,200
5-year hold
+$49,248(120.7% ROI)
Projected value
$230,894
Current value$204,077
Return breakdown
Property appreciation+$26,817
Loan principal paid down+$10,431
Rental cash flow+$12,000
10-year hold
+$106,013(259.7% ROI)
Projected value
$261,236
Current value$204,077
Return breakdown
Property appreciation+$57,159
Loan principal paid down+$24,855
Rental cash flow+$24,000

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 95321 (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.

95321 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95321 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,790 and the 4 bedroom fair market rent is $3,000.

Use this page for searches like 95321 FMR, 95321 fair market rent, and 95321 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 95321
Bedroom sizeHUD FMR
Studio$1,230
1 bedroom$1,420
2 bedroom$1,790
3 bedroom$2,340
4 bedroom$3,000