95340
ZIPSAFMR
Merced County, CA
BRFMR
Eff. Rent
0 BR$1,040$1,140
1 BR$1,130$1,240
2 BR$1,400$1,540
3 BR$1,930$2,020
4 BR$2,330$2,360
5 BR$2,680
6 BR$3,081
7 BR$3,544
8 BR$4,075

Purchase Price Calculator

Maximum purchase price
$166,927

Cost breakdown

+Likely effective rent$1,540
HUD FMR$1,400
Market rent$1,840
Est. payment standard (110%)Used$1,540
Estimated payment standard is $1,540 (110% of FMR).
-Principal and interest-$844
Loan amount$133,542
Down payment$33,385
Rate6.50%
Term30 years
-Operating costs-$496
Property taxes-$167
Insurance-$175
Utilities$0
HOA$0
Management-$154
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,820(74.3% ROI)
Projected value
$179,762
Current value$166,927
Return breakdown
Property appreciation+$12,835
Loan principal paid down+$4,784
Rental cash flow+$7,200
5-year hold
+$42,468(127.2% ROI)
Projected value
$188,862
Current value$166,927
Return breakdown
Property appreciation+$21,936
Loan principal paid down+$8,532
Rental cash flow+$12,000
10-year hold
+$91,084(272.8% ROI)
Projected value
$213,681
Current value$166,927
Return breakdown
Property appreciation+$46,754
Loan principal paid down+$20,330
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
0.83ratio
FMR$1,040
Market$1,260
vs market-$220

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

90% standard$936 / 0.74 ratio110% standard$1,144 / 0.91 ratio
0.83
1 BR
1 BR
0.84ratio
FMR$1,130
Market$1,350
vs market-$220

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

90% standard$1,017 / 0.75 ratio110% standard$1,243 / 0.92 ratio
0.84
2 BR
2 BR
0.76ratio
FMR$1,400
Market$1,840
vs market-$440

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

90% standard$1,260 / 0.68 ratio110% standard$1,540 / 0.84 ratio
0.76
3 BR
3 BR
0.93ratio
FMR$1,930
Market$2,070
vs market-$140

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

90% standard$1,737 / 0.84 ratio110% standard$2,123 / 1.03 ratio
0.93
4 BR
4 BR
0.98ratio
FMR$2,330
Market$2,370
vs market-$40

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

90% standard$2,097 / 0.88 ratio110% standard$2,563 / 1.08 ratio
0.98
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 95340 (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.

95340 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95340 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,400 and the 4 bedroom fair market rent is $2,330.

Use this page for searches like 95340 FMR, 95340 fair market rent, and 95340 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 95340
Bedroom sizeHUD FMR
Studio$1,040
1 bedroom$1,130
2 bedroom$1,400
3 bedroom$1,930
4 bedroom$2,330