95422
ZIPSAFMR
Lake County, CA
BRFMR
Eff. Rent
0 BR$1,110$1,180
1 BR$1,110$1,220
2 BR$1,460$1,420
3 BR$2,030$1,930
4 BR$2,450$2,040
5 BR$2,818
6 BR$3,240
7 BR$3,726
8 BR$4,285

Purchase Price Calculator

Maximum purchase price
$149,095

Cost breakdown

+Likely effective rent$1,420
HUD FMR$1,460
Market rentUsed$1,420
Est. payment standard (98%)$1,430
Market rent is below the inferred standard ($1,430, 98% of FMR).
-Principal and interest-$754
Loan amount$119,276
Down payment$29,819
Rate6.50%
Term30 years
-Operating costs-$466
Property taxes-$149
Insurance-$175
Utilities$0
HOA$0
Management-$142
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,937(76.9% ROI)
Projected value
$160,559
Current value$149,095
Return breakdown
Property appreciation+$11,464
Loan principal paid down+$4,273
Rental cash flow+$7,200
5-year hold
+$39,213(131.5% ROI)
Projected value
$168,687
Current value$149,095
Return breakdown
Property appreciation+$19,592
Loan principal paid down+$7,621
Rental cash flow+$12,000
10-year hold
+$83,918(281.4% ROI)
Projected value
$190,854
Current value$149,095
Return breakdown
Property appreciation+$41,759
Loan principal paid down+$18,158
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
0.91ratio
FMR$1,110
Market$1,220
vs market-$110

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

90% standard$999 / 0.82 ratio110% standard$1,221 / 1.00 ratio
0.91
1 BR
1 BR
0.80ratio
FMR$1,110
Market$1,390
vs market-$280

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

90% standard$999 / 0.72 ratio110% standard$1,221 / 0.88 ratio
0.80
2 BR
2 BR
1.03ratio
FMR$1,460
Market$1,420
vs market+$40

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

90% standard$1,314 / 0.93 ratio110% standard$1,606 / 1.13 ratio
1.03
3 BR
3 BR
1.05ratio
FMR$2,030
Market$1,930
vs market+$100

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

90% standard$1,827 / 0.95 ratio110% standard$2,233 / 1.16 ratio
1.05
4 BR
4 BR
1.20ratio
FMR$2,450
Market$2,040
vs market+$410

FMR is above market; underwrite to market rent.

90% standard$2,205 / 1.08 ratio110% standard$2,695 / 1.32 ratio
1.20
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 95422 (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.

95422 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95422 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,460 and the 4 bedroom fair market rent is $2,450.

Use this page for searches like 95422 FMR, 95422 fair market rent, and 95422 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 95422
Bedroom sizeHUD FMR
Studio$1,110
1 bedroom$1,110
2 bedroom$1,460
3 bedroom$2,030
4 bedroom$2,450