95382
ZIPSAFMR
Stanislaus County, CA
BRFMR
Eff. Rent
0 BR$1,400$1,500
1 BR$1,510$1,630
2 BR$1,960$2,060
3 BR$2,720$2,400
4 BR$3,150$2,750
5 BR$3,622
6 BR$4,166
7 BR$4,791
8 BR$5,509

Purchase Price Calculator

Maximum purchase price
$244,199

Cost breakdown

+Likely effective rent$2,060
HUD FMR$1,960
Market rent$2,120
Est. payment standard (105%)Used$2,060
Estimated payment standard is $2,060 (105% of FMR).
-Principal and interest-$1,235
Loan amount$195,359
Down payment$48,840
Rate6.50%
Term30 years
-Operating costs-$625
Property taxes-$244
Insurance-$175
Utilities$0
HOA$0
Management-$206
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,976(67.5% ROI)
Projected value
$262,975
Current value$244,199
Return breakdown
Property appreciation+$18,777
Loan principal paid down+$6,999
Rental cash flow+$7,200
5-year hold
+$56,571(115.8% ROI)
Projected value
$276,288
Current value$244,199
Return breakdown
Property appreciation+$32,090
Loan principal paid down+$12,482
Rental cash flow+$12,000
10-year hold
+$122,137(250.1% ROI)
Projected value
$312,595
Current value$244,199
Return breakdown
Property appreciation+$68,396
Loan principal paid down+$29,741
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
0.90ratio
FMR$1,400
Market$1,550
vs market-$150

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

90% standard$1,260 / 0.81 ratio110% standard$1,540 / 0.99 ratio
0.90
1 BR
1 BR
0.89ratio
FMR$1,510
Market$1,700
vs market-$190

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

90% standard$1,359 / 0.80 ratio110% standard$1,661 / 0.98 ratio
0.89
2 BR
2 BR
0.92ratio
FMR$1,960
Market$2,120
vs market-$160

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

90% standard$1,764 / 0.83 ratio110% standard$2,156 / 1.02 ratio
0.92
3 BR
3 BR
1.13ratio
FMR$2,720
Market$2,400
vs market+$320

FMR is above market; underwrite to market rent.

90% standard$2,448 / 1.02 ratio110% standard$2,992 / 1.25 ratio
1.13
4 BR
4 BR
1.15ratio
FMR$3,150
Market$2,750
vs market+$400

FMR is above market; underwrite to market rent.

90% standard$2,835 / 1.03 ratio110% standard$3,465 / 1.26 ratio
1.15
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 95382 (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.

95382 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95382 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,960 and the 4 bedroom fair market rent is $3,150.

Use this page for searches like 95382 FMR, 95382 fair market rent, and 95382 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 95382
Bedroom sizeHUD FMR
Studio$1,400
1 bedroom$1,510
2 bedroom$1,960
3 bedroom$2,720
4 bedroom$3,150