95391
ZIPSAFMR
San Joaquin County, CA
BRFMR
Eff. Rent
0 BR$1,930$1,410
1 BR$2,090$1,650
2 BR$2,610$2,390
3 BR$3,630$2,840
4 BR$4,380$3,130
5 BR$5,037
6 BR$5,793
7 BR$6,661
8 BR$7,661

Purchase Price Calculator

Maximum purchase price
$293,237

Cost breakdown

+Likely effective rent$2,390
HUD FMR$2,610
Market rentUsed$2,390
Est. payment standard (95%)$2,470
Market rent is below the inferred standard ($2,470, 95% of FMR).
-Principal and interest-$1,483
Loan amount$234,589
Down payment$58,647
Rate6.50%
Term30 years
-Operating costs-$707
Property taxes-$293
Insurance-$175
Utilities$0
HOA$0
Management-$239
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$38,152(65.1% ROI)
Projected value
$315,784
Current value$293,237
Return breakdown
Property appreciation+$22,547
Loan principal paid down+$8,405
Rental cash flow+$7,200
5-year hold
+$65,522(111.7% ROI)
Projected value
$331,770
Current value$293,237
Return breakdown
Property appreciation+$38,534
Loan principal paid down+$14,988
Rental cash flow+$12,000
10-year hold
+$141,845(241.9% ROI)
Projected value
$375,368
Current value$293,237
Return breakdown
Property appreciation+$82,131
Loan principal paid down+$35,714
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
1.37ratio
FMR$1,930
Market$1,410
vs market+$520

FMR is above market; underwrite to market rent.

90% standard$1,737 / 1.23 ratio110% standard$2,123 / 1.51 ratio
1.37
1 BR
1 BR
1.27ratio
FMR$2,090
Market$1,650
vs market+$440

FMR is above market; underwrite to market rent.

90% standard$1,881 / 1.14 ratio110% standard$2,299 / 1.39 ratio
1.27
2 BR
2 BR
1.09ratio
FMR$2,610
Market$2,390
vs market+$220

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

90% standard$2,349 / 0.98 ratio110% standard$2,871 / 1.20 ratio
1.09
3 BR
3 BR
1.28ratio
FMR$3,630
Market$2,840
vs market+$790

FMR is above market; underwrite to market rent.

90% standard$3,267 / 1.15 ratio110% standard$3,993 / 1.41 ratio
1.28
4 BR
4 BR
1.40ratio
FMR$4,380
Market$3,130
vs market+$1,250

FMR is above market; underwrite to market rent.

90% standard$3,942 / 1.26 ratio110% standard$4,818 / 1.54 ratio
1.40
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 95391 (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.

95391 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95391 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,610 and the 4 bedroom fair market rent is $4,380.

Use this page for searches like 95391 FMR, 95391 fair market rent, and 95391 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 95391
Bedroom sizeHUD FMR
Studio$1,930
1 bedroom$2,090
2 bedroom$2,610
3 bedroom$3,630
4 bedroom$4,380