95482
ZIPSAFMR
Mendocino County, CA
BRFMR
Eff. Rent
0 BR$1,290$1,420
1 BR$1,330$1,460
2 BR$1,740$1,860
3 BR$2,420$2,320
4 BR$2,830$2,480
5 BR$3,254
6 BR$3,743
7 BR$4,304
8 BR$4,950

Purchase Price Calculator

Maximum purchase price
$214,479

Cost breakdown

+Likely effective rent$1,860
HUD FMR$1,740
Market rent$1,920
Est. payment standard (107%)Used$1,860
Estimated payment standard is $1,860 (107% of FMR).
-Principal and interest-$1,085
Loan amount$171,583
Down payment$42,896
Rate6.50%
Term30 years
-Operating costs-$575
Property taxes-$214
Insurance-$175
Utilities$0
HOA$0
Management-$186
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,839(69.6% ROI)
Projected value
$230,970
Current value$214,479
Return breakdown
Property appreciation+$16,491
Loan principal paid down+$6,147
Rental cash flow+$7,200
5-year hold
+$51,147(119.2% ROI)
Projected value
$242,663
Current value$214,479
Return breakdown
Property appreciation+$28,184
Loan principal paid down+$10,962
Rental cash flow+$12,000
10-year hold
+$110,194(256.9% ROI)
Projected value
$274,551
Current value$214,479
Return breakdown
Property appreciation+$60,072
Loan principal paid down+$26,122
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
0.83ratio
FMR$1,290
Market$1,560
vs market-$270

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

90% standard$1,161 / 0.74 ratio110% standard$1,419 / 0.91 ratio
0.83
1 BR
1 BR
0.80ratio
FMR$1,330
Market$1,660
vs market-$330

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

90% standard$1,197 / 0.72 ratio110% standard$1,463 / 0.88 ratio
0.80
2 BR
2 BR
0.91ratio
FMR$1,740
Market$1,920
vs market-$180

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

90% standard$1,566 / 0.82 ratio110% standard$1,914 / 1.00 ratio
0.91
3 BR
3 BR
1.04ratio
FMR$2,420
Market$2,320
vs market+$100

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

90% standard$2,178 / 0.94 ratio110% standard$2,662 / 1.15 ratio
1.04
4 BR
4 BR
1.14ratio
FMR$2,830
Market$2,480
vs market+$350

FMR is above market; underwrite to market rent.

90% standard$2,547 / 1.03 ratio110% standard$3,113 / 1.26 ratio
1.14
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 95482 (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.

95482 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95482 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,740 and the 4 bedroom fair market rent is $2,830.

Use this page for searches like 95482 FMR, 95482 fair market rent, and 95482 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 95482
Bedroom sizeHUD FMR
Studio$1,290
1 bedroom$1,330
2 bedroom$1,740
3 bedroom$2,420
4 bedroom$2,830