95404
ZIPSAFMR
Sonoma County, CA
BRFMR
Eff. Rent
0 BR$1,880$1,900
1 BR$2,080$2,200
2 BR$2,730$2,420
3 BR$3,750$3,660
4 BR$4,000$4,330
5 BR$4,600
6 BR$5,290
7 BR$6,083
8 BR$6,996

Purchase Price Calculator

Maximum purchase price
$297,695

Cost breakdown

+Likely effective rent$2,420
HUD FMR$2,730
Market rentUsed$2,420
Est. payment standard (93%)$2,530
Market rent is below the inferred standard ($2,530, 93% of FMR).
-Principal and interest-$1,505
Loan amount$238,156
Down payment$59,539
Rate6.50%
Term30 years
-Operating costs-$715
Property taxes-$298
Insurance-$175
Utilities$0
HOA$0
Management-$242
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$38,622(64.9% ROI)
Projected value
$320,584
Current value$297,695
Return breakdown
Property appreciation+$22,890
Loan principal paid down+$8,533
Rental cash flow+$7,200
5-year hold
+$66,335(111.4% ROI)
Projected value
$336,814
Current value$297,695
Return breakdown
Property appreciation+$39,120
Loan principal paid down+$15,216
Rental cash flow+$12,000
10-year hold
+$143,636(241.2% ROI)
Projected value
$381,074
Current value$297,695
Return breakdown
Property appreciation+$83,380
Loan principal paid down+$36,257
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
0.98ratio
FMR$1,880
Market$1,910
vs market-$30

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

90% standard$1,692 / 0.89 ratio110% standard$2,068 / 1.08 ratio
0.98
1 BR
1 BR
0.92ratio
FMR$2,080
Market$2,260
vs market-$180

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

90% standard$1,872 / 0.83 ratio110% standard$2,288 / 1.01 ratio
0.92
2 BR
2 BR
1.13ratio
FMR$2,730
Market$2,420
vs market+$310

FMR is above market; underwrite to market rent.

90% standard$2,457 / 1.02 ratio110% standard$3,003 / 1.24 ratio
1.13
3 BR
3 BR
1.02ratio
FMR$3,750
Market$3,660
vs market+$90

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

90% standard$3,375 / 0.92 ratio110% standard$4,125 / 1.13 ratio
1.02
4 BR
4 BR
0.89ratio
FMR$4,000
Market$4,500
vs market-$500

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

90% standard$3,600 / 0.80 ratio110% standard$4,400 / 0.98 ratio
0.89
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 95404 (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.

95404 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95404 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,730 and the 4 bedroom fair market rent is $4,000.

Use this page for searches like 95404 FMR, 95404 fair market rent, and 95404 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 95404
Bedroom sizeHUD FMR
Studio$1,880
1 bedroom$2,080
2 bedroom$2,730
3 bedroom$3,750
4 bedroom$4,000