95409
ZIPSAFMR
Sonoma County, CA
BRFMR
Eff. Rent
0 BR$2,230$2,090
1 BR$2,470$2,330
2 BR$3,240$2,850
3 BR$4,450$3,530
4 BR$4,750$4,330
5 BR$5,463
6 BR$6,282
7 BR$7,224
8 BR$8,308

Purchase Price Calculator

Maximum purchase price
$361,592

Cost breakdown

+Likely effective rent$2,850
HUD FMR$3,240
Market rentUsed$2,850
Est. payment standard (92%)$2,990
Market rent is below the inferred standard ($2,990, 92% of FMR).
-Principal and interest-$1,828
Loan amount$289,274
Down payment$72,318
Rate6.50%
Term30 years
-Operating costs-$822
Property taxes-$362
Insurance-$175
Utilities$0
HOA$0
Management-$285
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$45,367(62.7% ROI)
Projected value
$389,395
Current value$361,592
Return breakdown
Property appreciation+$27,803
Loan principal paid down+$10,364
Rental cash flow+$7,200
5-year hold
+$77,998(107.9% ROI)
Projected value
$409,109
Current value$361,592
Return breakdown
Property appreciation+$47,516
Loan principal paid down+$18,482
Rental cash flow+$12,000
10-year hold
+$169,315(234.1% ROI)
Projected value
$462,869
Current value$361,592
Return breakdown
Property appreciation+$101,276
Loan principal paid down+$44,039
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$2,230
Market$2,090
vs market+$140

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

90% standard$2,007 / 0.96 ratio110% standard$2,453 / 1.17 ratio
1.07
1 BR
1 BR
1.06ratio
FMR$2,470
Market$2,330
vs market+$140

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

90% standard$2,223 / 0.95 ratio110% standard$2,717 / 1.17 ratio
1.06
2 BR
2 BR
1.14ratio
FMR$3,240
Market$2,850
vs market+$390

FMR is above market; underwrite to market rent.

90% standard$2,916 / 1.02 ratio110% standard$3,564 / 1.25 ratio
1.14
3 BR
3 BR
1.26ratio
FMR$4,450
Market$3,530
vs market+$920

FMR is above market; underwrite to market rent.

90% standard$4,005 / 1.13 ratio110% standard$4,895 / 1.39 ratio
1.26
4 BR
4 BR
1.10ratio
FMR$4,750
Market$4,330
vs market+$420

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

90% standard$4,275 / 0.99 ratio110% standard$5,225 / 1.21 ratio
1.10
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 95409 (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.

95409 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95409 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,240 and the 4 bedroom fair market rent is $4,750.

Use this page for searches like 95409 FMR, 95409 fair market rent, and 95409 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 95409
Bedroom sizeHUD FMR
Studio$2,230
1 bedroom$2,470
2 bedroom$3,240
3 bedroom$4,450
4 bedroom$4,750