95439
ZIPSAFMR
Sonoma County, CA
BRFMR
Eff. Rent
0 BR$2,040$1,890
1 BR$2,250$2,090
2 BR$2,950$2,520
3 BR$4,060$3,440
4 BR$4,330$4,090
5 BR$4,980
6 BR$5,726
7 BR$6,585
8 BR$7,573

Purchase Price Calculator

Maximum purchase price
$312,554

Cost breakdown

+Likely effective rent$2,520
HUD FMR$2,950
Market rentUsed$2,520
Est. payment standard (91%)$2,670
Market rent is below the inferred standard ($2,670, 91% of FMR).
-Principal and interest-$1,580
Loan amount$250,044
Down payment$62,511
Rate6.50%
Term30 years
-Operating costs-$740
Property taxes-$313
Insurance-$175
Utilities$0
HOA$0
Management-$252
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$40,191(64.3% ROI)
Projected value
$336,587
Current value$312,554
Return breakdown
Property appreciation+$24,033
Loan principal paid down+$8,958
Rental cash flow+$7,200
5-year hold
+$69,048(110.5% ROI)
Projected value
$353,627
Current value$312,554
Return breakdown
Property appreciation+$41,072
Loan principal paid down+$15,975
Rental cash flow+$12,000
10-year hold
+$149,608(239.3% ROI)
Projected value
$400,096
Current value$312,554
Return breakdown
Property appreciation+$87,542
Loan principal paid down+$38,066
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
1.08ratio
FMR$2,040
Market$1,890
vs market+$150

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

90% standard$1,836 / 0.97 ratio110% standard$2,244 / 1.19 ratio
1.08
1 BR
1 BR
1.08ratio
FMR$2,250
Market$2,090
vs market+$160

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

90% standard$2,025 / 0.97 ratio110% standard$2,475 / 1.18 ratio
1.08
2 BR
2 BR
1.17ratio
FMR$2,950
Market$2,520
vs market+$430

FMR is above market; underwrite to market rent.

90% standard$2,655 / 1.05 ratio110% standard$3,245 / 1.29 ratio
1.17
3 BR
3 BR
1.18ratio
FMR$4,060
Market$3,440
vs market+$620

FMR is above market; underwrite to market rent.

90% standard$3,654 / 1.06 ratio110% standard$4,466 / 1.30 ratio
1.18
4 BR
4 BR
1.06ratio
FMR$4,330
Market$4,090
vs market+$240

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

90% standard$3,897 / 0.95 ratio110% standard$4,763 / 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 95439 (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.

95439 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95439 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,950 and the 4 bedroom fair market rent is $4,330.

Use this page for searches like 95439 FMR, 95439 fair market rent, and 95439 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 95439
Bedroom sizeHUD FMR
Studio$2,040
1 bedroom$2,250
2 bedroom$2,950
3 bedroom$4,060
4 bedroom$4,330