95376
ZIPSAFMR
San Joaquin County, CA
BRFMR
Eff. Rent
0 BR$1,550$1,650
1 BR$1,680$1,800
2 BR$2,100$2,170
3 BR$2,920$2,640
4 BR$3,520$2,810
5 BR$4,048
6 BR$4,655
7 BR$5,353
8 BR$6,157

Purchase Price Calculator

Maximum purchase price
$260,545

Cost breakdown

+Likely effective rent$2,170
HUD FMR$2,100
Market rent$2,210
Est. payment standard (103%)Used$2,170
Estimated payment standard is $2,170 (103% of FMR).
-Principal and interest-$1,317
Loan amount$208,436
Down payment$52,109
Rate6.50%
Term30 years
-Operating costs-$653
Property taxes-$261
Insurance-$175
Utilities$0
HOA$0
Management-$217
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$34,701(66.6% ROI)
Projected value
$280,578
Current value$260,545
Return breakdown
Property appreciation+$20,033
Loan principal paid down+$7,468
Rental cash flow+$7,200
5-year hold
+$59,555(114.3% ROI)
Projected value
$294,782
Current value$260,545
Return breakdown
Property appreciation+$34,238
Loan principal paid down+$13,317
Rental cash flow+$12,000
10-year hold
+$128,707(247.0% ROI)
Projected value
$333,519
Current value$260,545
Return breakdown
Property appreciation+$72,975
Loan principal paid down+$31,732
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
0.91ratio
FMR$1,550
Market$1,700
vs market-$150

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

90% standard$1,395 / 0.82 ratio110% standard$1,705 / 1.00 ratio
0.91
1 BR
1 BR
0.90ratio
FMR$1,680
Market$1,870
vs market-$190

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

90% standard$1,512 / 0.81 ratio110% standard$1,848 / 0.99 ratio
0.90
2 BR
2 BR
0.95ratio
FMR$2,100
Market$2,210
vs market-$110

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

90% standard$1,890 / 0.86 ratio110% standard$2,310 / 1.05 ratio
0.95
3 BR
3 BR
1.11ratio
FMR$2,920
Market$2,640
vs market+$280

FMR is above market; underwrite to market rent.

90% standard$2,628 / 1.00 ratio110% standard$3,212 / 1.22 ratio
1.11
4 BR
4 BR
1.25ratio
FMR$3,520
Market$2,810
vs market+$710

FMR is above market; underwrite to market rent.

90% standard$3,168 / 1.13 ratio110% standard$3,872 / 1.38 ratio
1.25
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 95376 (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.

95376 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95376 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,100 and the 4 bedroom fair market rent is $3,520.

Use this page for searches like 95376 FMR, 95376 fair market rent, and 95376 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 95376
Bedroom sizeHUD FMR
Studio$1,550
1 bedroom$1,680
2 bedroom$2,100
3 bedroom$2,920
4 bedroom$3,520