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Lake County/Cobb/95426

95426

ZIPSAFMR
Lake County, CA
Zillow

ZIP Investment Score

129Above average

095130300
BRFMR
Eff. Rent
0 BR$1,560$1,560
1 BR$1,580$1,580
2 BR$2,060$2,060
3 BR$2,850$2,850
4 BR$3,400$3,400
5 BR$3,910Not available
6 BR$4,496Not available
7 BR$5,171Not available
8 BR$5,947Not available

Purchase Price Calculator

Maximum purchase price
$244,199

Cost breakdown

+Likely effective rent$2,060
HUD FMRUsed$2,060
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,235
Loan amount$195,359
Down payment$48,840
Rate6.50%
Term30 years
-Operating costs-$625
Property taxes-$244
Insurance-$175
Utilities$0
HOA$0
Management-$206
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,976(67.5% ROI)
Projected value
$262,975
Return breakdown
Property appreciation+$18,777
Loan principal paid down+$6,999
Rental cash flow+$7,200
5-year hold
+$56,571(115.8% ROI)
Projected value
$276,288
Return breakdown
Property appreciation+$32,090
Loan principal paid down+$12,482
Rental cash flow+$12,000
10-year hold
+$122,137(250.1% ROI)
Projected value
$312,595
Return breakdown
Property appreciation+$68,396
Loan principal paid down+$29,741
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
--
Tax rate
--
Mortgage rate
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ZIP 95426 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 95426 (Cobb, CA) is $2,060 a month. That is up 2.5% from $2,010 in FY 2026. Cobb is in the Lake County, CA non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,616. Among 15 ZIP codes in Lake County, 95426 has the 3rd-highest two-bedroom rent (county range $1,400–$2,990). The median county two-bedroom FMR in California is $1,725, so ZIP 95426 is 19% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 95426
BedroomsFY 2027Change90–110% range
Studio$1,560+3.3%$1,404–$1,716
1BR$1,580+3.3%$1,422–$1,738
2BR$2,060+2.5%$1,854–$2,266
3BR$2,850+2.2%$2,565–$3,135
4BR$3,400+2.4%$3,060–$3,740

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 95426
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,560$1,580$2,060$2,850$3,400
FY 2026$1,510$1,530$2,010$2,790$3,320
FY 2025$1,390$1,420$1,860$2,590$3,060
FY 2024area FMR$928$964$1,267$1,785$2,150
FY 2023area FMR$747$849$1,117$1,587$1,872

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Lake County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 95426
95422$1,580−23.3%
95423$1,520−26.2%
95424$1,620−21.4%
95426Current$2,060—
95435$1,620−21.4%
95443$1,470−28.6%
95451$1,630−20.9%
95453$1,460−29.1%
95457$1,940−5.8%
95458$1,440−30.1%
95461$2,990+45.1%
95464$1,400−32.0%

Questions about ZIP 95426 rents

How much will Section 8 pay for a two-bedroom in ZIP 95426?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,616, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,454 to $1,778 a month; under the ZIP-level Small Area FMR of $2,060 it would be $1,854 to $2,266. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 95426 in?

ZIP 95426 is in the Lake County, CA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,616.

How much did fair market rent change in ZIP 95426 for FY 2027?

The two-bedroom FMR rose 2.5%, from $2,010 in FY 2026 to $2,060 in FY 2027. Since FY 2025 it has risen 10.8%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentCobb, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources