95363
ZIPSAFMR
Stanislaus County, CA
BRFMR
Eff. Rent
0 BR$1,430$1,570
1 BR$1,540$1,690
2 BR$2,000$2,130
3 BR$2,780$2,320
4 BR$3,210$2,720
5 BR$3,691
6 BR$4,245
7 BR$4,882
8 BR$5,614

Purchase Price Calculator

Maximum purchase price
$254,601

Cost breakdown

+Likely effective rent$2,130
HUD FMR$2,000
Market rent$2,200
Est. payment standard (107%)Used$2,130
Estimated payment standard is $2,130 (107% of FMR).
-Principal and interest-$1,287
Loan amount$203,681
Down payment$50,920
Rate6.50%
Term30 years
-Operating costs-$643
Property taxes-$255
Insurance-$175
Utilities$0
HOA$0
Management-$213
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$34,074(66.9% ROI)
Projected value
$274,177
Current value$254,601
Return breakdown
Property appreciation+$19,576
Loan principal paid down+$7,297
Rental cash flow+$7,200
5-year hold
+$58,470(114.8% ROI)
Projected value
$288,057
Current value$254,601
Return breakdown
Property appreciation+$33,457
Loan principal paid down+$13,013
Rental cash flow+$12,000
10-year hold
+$126,318(248.1% ROI)
Projected value
$325,910
Current value$254,601
Return breakdown
Property appreciation+$71,310
Loan principal paid down+$31,008
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
0.70ratio
FMR$1,430
Market$2,050
vs market-$620

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

90% standard$1,287 / 0.63 ratio110% standard$1,573 / 0.77 ratio
0.70
1 BR
1 BR
0.74ratio
FMR$1,540
Market$2,090
vs market-$550

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

90% standard$1,386 / 0.66 ratio110% standard$1,694 / 0.81 ratio
0.74
2 BR
2 BR
0.91ratio
FMR$2,000
Market$2,200
vs market-$200

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

90% standard$1,800 / 0.82 ratio110% standard$2,200 / 1.00 ratio
0.91
3 BR
3 BR
1.20ratio
FMR$2,780
Market$2,320
vs market+$460

FMR is above market; underwrite to market rent.

90% standard$2,502 / 1.08 ratio110% standard$3,058 / 1.32 ratio
1.20
4 BR
4 BR
1.18ratio
FMR$3,210
Market$2,720
vs market+$490

FMR is above market; underwrite to market rent.

90% standard$2,889 / 1.06 ratio110% standard$3,531 / 1.30 ratio
1.18
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 95363 (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.

95363 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95363 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,000 and the 4 bedroom fair market rent is $3,210.

Use this page for searches like 95363 FMR, 95363 fair market rent, and 95363 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 95363
Bedroom sizeHUD FMR
Studio$1,430
1 bedroom$1,540
2 bedroom$2,000
3 bedroom$2,780
4 bedroom$3,210