95403
ZIPSAFMR
Sonoma County, CA
BRFMR
Eff. Rent
0 BR$2,010$1,870
1 BR$2,220$2,010
2 BR$2,910$2,350
3 BR$4,000$3,430
4 BR$4,270$4,040
5 BR$4,911
6 BR$5,647
7 BR$6,494
8 BR$7,468

Purchase Price Calculator

Maximum purchase price
$287,293

Cost breakdown

+Likely effective rent$2,350
HUD FMR$2,910
Market rentUsed$2,350
Est. payment standard (90%)$2,620
Market rent is below the inferred standard ($2,620, 90% of FMR).
-Principal and interest-$1,453
Loan amount$229,834
Down payment$57,459
Rate6.50%
Term30 years
-Operating costs-$697
Property taxes-$287
Insurance-$175
Utilities$0
HOA$0
Management-$235
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$37,525(65.3% ROI)
Projected value
$309,383
Current value$287,293
Return breakdown
Property appreciation+$22,090
Loan principal paid down+$8,234
Rental cash flow+$7,200
5-year hold
+$64,437(112.1% ROI)
Projected value
$325,045
Current value$287,293
Return breakdown
Property appreciation+$37,753
Loan principal paid down+$14,684
Rental cash flow+$12,000
10-year hold
+$139,456(242.7% ROI)
Projected value
$367,759
Current value$287,293
Return breakdown
Property appreciation+$80,466
Loan principal paid down+$34,990
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
1.07ratio
FMR$2,010
Market$1,870
vs market+$140

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

90% standard$1,809 / 0.97 ratio110% standard$2,211 / 1.18 ratio
1.07
1 BR
1 BR
1.10ratio
FMR$2,220
Market$2,010
vs market+$210

FMR is above market; underwrite to market rent.

90% standard$1,998 / 0.99 ratio110% standard$2,442 / 1.21 ratio
1.10
2 BR
2 BR
1.24ratio
FMR$2,910
Market$2,350
vs market+$560

FMR is above market; underwrite to market rent.

90% standard$2,619 / 1.11 ratio110% standard$3,201 / 1.36 ratio
1.24
3 BR
3 BR
1.17ratio
FMR$4,000
Market$3,430
vs market+$570

FMR is above market; underwrite to market rent.

90% standard$3,600 / 1.05 ratio110% standard$4,400 / 1.28 ratio
1.17
4 BR
4 BR
1.06ratio
FMR$4,270
Market$4,040
vs market+$230

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

90% standard$3,843 / 0.95 ratio110% standard$4,697 / 1.16 ratio
1.06
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 95403 (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.

95403 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95403 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,910 and the 4 bedroom fair market rent is $4,270.

Use this page for searches like 95403 FMR, 95403 fair market rent, and 95403 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 95403
Bedroom sizeHUD FMR
Studio$2,010
1 bedroom$2,220
2 bedroom$2,910
3 bedroom$4,000
4 bedroom$4,270