95476
ZIPSAFMR
Sonoma County, CA
BRFMR
Eff. Rent
0 BR$1,970$2,170
1 BR$2,180$2,390
2 BR$2,860$2,790
3 BR$3,930$4,080
4 BR$4,200$4,500
5 BR$4,830
6 BR$5,554
7 BR$6,388
8 BR$7,346

Purchase Price Calculator

Maximum purchase price
$352,676

Cost breakdown

+Likely effective rent$2,790
HUD FMR$2,860
Market rentUsed$2,790
Est. payment standard (98%)$2,810
Market rent is below the inferred standard ($2,810, 98% of FMR).
-Principal and interest-$1,783
Loan amount$282,141
Down payment$70,535
Rate6.50%
Term30 years
-Operating costs-$807
Property taxes-$353
Insurance-$175
Utilities$0
HOA$0
Management-$279
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$44,426(63.0% ROI)
Projected value
$379,794
Current value$352,676
Return breakdown
Property appreciation+$27,118
Loan principal paid down+$10,108
Rental cash flow+$7,200
5-year hold
+$76,371(108.3% ROI)
Projected value
$399,021
Current value$352,676
Return breakdown
Property appreciation+$46,345
Loan principal paid down+$18,026
Rental cash flow+$12,000
10-year hold
+$165,732(235.0% ROI)
Projected value
$451,456
Current value$352,676
Return breakdown
Property appreciation+$98,779
Loan principal paid down+$42,953
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
0.84ratio
FMR$1,970
Market$2,340
vs market-$370

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

90% standard$1,773 / 0.76 ratio110% standard$2,167 / 0.93 ratio
0.84
1 BR
1 BR
0.87ratio
FMR$2,180
Market$2,500
vs market-$320

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

90% standard$1,962 / 0.78 ratio110% standard$2,398 / 0.96 ratio
0.87
2 BR
2 BR
1.03ratio
FMR$2,860
Market$2,790
vs market+$70

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

90% standard$2,574 / 0.92 ratio110% standard$3,146 / 1.13 ratio
1.03
3 BR
3 BR
0.94ratio
FMR$3,930
Market$4,160
vs market-$230

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

90% standard$3,537 / 0.85 ratio110% standard$4,323 / 1.04 ratio
0.94
4 BR
4 BR
0.90ratio
FMR$4,200
Market$4,660
vs market-$460

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

90% standard$3,780 / 0.81 ratio110% standard$4,620 / 0.99 ratio
0.90
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 95476 (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.

95476 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95476 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,860 and the 4 bedroom fair market rent is $4,200.

Use this page for searches like 95476 FMR, 95476 fair market rent, and 95476 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 95476
Bedroom sizeHUD FMR
Studio$1,970
1 bedroom$2,180
2 bedroom$2,860
3 bedroom$3,930
4 bedroom$4,200