95486
ZIPSAFMR
Sonoma County, CA
BRFMR
Eff. Rent
0 BR$1,700$1,720
1 BR$1,890$1,990
2 BR$2,470$2,470
3 BR$3,370$2,550
4 BR$3,570$2,770
5 BR$4,106
6 BR$4,721
7 BR$5,430
8 BR$6,244

Purchase Price Calculator

Maximum purchase price
$305,124

Cost breakdown

+Likely effective rent$2,470
HUD FMR$2,470
Market rent$2,470
Est. payment standard (100%)Used$2,470
Estimated payment standard is $2,470 (100% of FMR).
-Principal and interest-$1,543
Loan amount$244,100
Down payment$61,025
Rate6.50%
Term30 years
-Operating costs-$727
Property taxes-$305
Insurance-$175
Utilities$0
HOA$0
Management-$247
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$39,407(64.6% ROI)
Projected value
$328,586
Current value$305,124
Return breakdown
Property appreciation+$23,461
Loan principal paid down+$8,745
Rental cash flow+$7,200
5-year hold
+$67,691(110.9% ROI)
Projected value
$345,220
Current value$305,124
Return breakdown
Property appreciation+$40,096
Loan principal paid down+$15,596
Rental cash flow+$12,000
10-year hold
+$146,622(240.3% ROI)
Projected value
$390,585
Current value$305,124
Return breakdown
Property appreciation+$85,461
Loan principal paid down+$37,161
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.98ratio
FMR$1,700
Market$1,730
vs market-$30

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

90% standard$1,530 / 0.88 ratio110% standard$1,870 / 1.08 ratio
0.98
1 BR
1 BR
0.92ratio
FMR$1,890
Market$2,050
vs market-$160

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

90% standard$1,701 / 0.83 ratio110% standard$2,079 / 1.01 ratio
0.92
2 BR
2 BR
1.00ratio
FMR$2,470
Market$2,470
vs market+$0

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

90% standard$2,223 / 0.90 ratio110% standard$2,717 / 1.10 ratio
1.00
3 BR
3 BR
1.32ratio
FMR$3,370
Market$2,550
vs market+$820

FMR is above market; underwrite to market rent.

90% standard$3,033 / 1.19 ratio110% standard$3,707 / 1.45 ratio
1.32
4 BR
4 BR
1.29ratio
FMR$3,570
Market$2,770
vs market+$800

FMR is above market; underwrite to market rent.

90% standard$3,213 / 1.16 ratio110% standard$3,927 / 1.42 ratio
1.29
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 95486 (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.

95486 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95486 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,470 and the 4 bedroom fair market rent is $3,570.

Use this page for searches like 95486 FMR, 95486 fair market rent, and 95486 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 95486
Bedroom sizeHUD FMR
Studio$1,700
1 bedroom$1,890
2 bedroom$2,470
3 bedroom$3,370
4 bedroom$3,570