95401
ZIPSAFMR
Sonoma County, CA
BRFMR
Eff. Rent
0 BR$1,960$1,880
1 BR$2,160$2,040
2 BR$2,840$2,670
3 BR$3,900$3,420
4 BR$4,170$4,160
5 BR$4,796
6 BR$5,515
7 BR$6,342
8 BR$7,293

Purchase Price Calculator

Maximum purchase price
$334,844

Cost breakdown

+Likely effective rent$2,670
HUD FMR$2,840
Market rentUsed$2,670
Est. payment standard (96%)$2,730
Market rent is below the inferred standard ($2,730, 96% of FMR).
-Principal and interest-$1,693
Loan amount$267,876
Down payment$66,969
Rate6.50%
Term30 years
-Operating costs-$777
Property taxes-$335
Insurance-$175
Utilities$0
HOA$0
Management-$267
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$42,544(63.5% ROI)
Projected value
$360,591
Current value$334,844
Return breakdown
Property appreciation+$25,746
Loan principal paid down+$9,597
Rental cash flow+$7,200
5-year hold
+$73,116(109.2% ROI)
Projected value
$378,846
Current value$334,844
Return breakdown
Property appreciation+$44,001
Loan principal paid down+$17,115
Rental cash flow+$12,000
10-year hold
+$158,566(236.8% ROI)
Projected value
$428,629
Current value$334,844
Return breakdown
Property appreciation+$93,785
Loan principal paid down+$40,781
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
1.04ratio
FMR$1,960
Market$1,880
vs market+$80

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

90% standard$1,764 / 0.94 ratio110% standard$2,156 / 1.15 ratio
1.04
1 BR
1 BR
1.06ratio
FMR$2,160
Market$2,040
vs market+$120

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

90% standard$1,944 / 0.95 ratio110% standard$2,376 / 1.16 ratio
1.06
2 BR
2 BR
1.06ratio
FMR$2,840
Market$2,670
vs market+$170

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

90% standard$2,556 / 0.96 ratio110% standard$3,124 / 1.17 ratio
1.06
3 BR
3 BR
1.14ratio
FMR$3,900
Market$3,420
vs market+$480

FMR is above market; underwrite to market rent.

90% standard$3,510 / 1.03 ratio110% standard$4,290 / 1.25 ratio
1.14
4 BR
4 BR
1.00ratio
FMR$4,170
Market$4,160
vs market+$10

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

90% standard$3,753 / 0.90 ratio110% standard$4,587 / 1.10 ratio
1.00
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 95401 (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.

95401 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95401 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,840 and the 4 bedroom fair market rent is $4,170.

Use this page for searches like 95401 FMR, 95401 fair market rent, and 95401 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 95401
Bedroom sizeHUD FMR
Studio$1,960
1 bedroom$2,160
2 bedroom$2,840
3 bedroom$3,900
4 bedroom$4,170