95386
ZIPSAFMR
Stanislaus County, CA
BRFMR
Eff. Rent
0 BR$1,240$1,360
1 BR$1,330$1,460
2 BR$1,730$1,730
3 BR$2,400$2,400
4 BR$2,780$2,300
5 BR$3,197
6 BR$3,677
7 BR$4,228
8 BR$4,862

Purchase Price Calculator

Maximum purchase price
$195,161

Cost breakdown

+Likely effective rent$1,730
HUD FMRUsed$1,730
Market rentN/A
Est. payment standardN/A
HUD FMR fallback; market rent is unavailable.
-Principal and interest-$987
Loan amount$156,129
Down payment$39,032
Rate6.50%
Term30 years
-Operating costs-$543
Property taxes-$195
Insurance-$175
Utilities$0
HOA$0
Management-$173
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,800(71.2% ROI)
Projected value
$210,167
Current value$195,161
Return breakdown
Property appreciation+$15,006
Loan principal paid down+$5,594
Rental cash flow+$7,200
5-year hold
+$47,621(122.0% ROI)
Projected value
$220,807
Current value$195,161
Return breakdown
Property appreciation+$25,646
Loan principal paid down+$9,975
Rental cash flow+$12,000
10-year hold
+$102,430(262.4% ROI)
Projected value
$249,822
Current value$195,161
Return breakdown
Property appreciation+$54,662
Loan principal paid down+$23,769
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
0.65ratio
FMR$1,240
Market$1,920
vs market-$680

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

90% standard$1,116 / 0.58 ratio110% standard$1,364 / 0.71 ratio
0.65
1 BR
1 BR
0.66ratio
FMR$1,330
Market$2,030
vs market-$700

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

90% standard$1,197 / 0.59 ratio110% standard$1,463 / 0.72 ratio
0.66
4 BR
4 BR
1.21ratio
FMR$2,780
Market$2,300
vs market+$480

FMR is above market; underwrite to market rent.

90% standard$2,502 / 1.09 ratio110% standard$3,058 / 1.33 ratio
1.21
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 95386 (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.

95386 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95386 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,730 and the 4 bedroom fair market rent is $2,780.

Use this page for searches like 95386 FMR, 95386 fair market rent, and 95386 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 95386
Bedroom sizeHUD FMR
Studio$1,240
1 bedroom$1,330
2 bedroom$1,730
3 bedroom$2,400
4 bedroom$2,780