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Humboldt County/Eureka/95501

95501

ZIPSAFMR
Humboldt County, CA
Zillow

ZIP Investment Score

77Below average

095130300
BRFMR
Eff. Rent
0 BR$1,040$1,140
1 BR$1,100$1,210
2 BR$1,440$1,510
3 BR$1,990$2,090
4 BR$2,410$2,080
5 BR$2,772Not available
6 BR$3,187Not available
7 BR$3,665Not available
8 BR$4,215Not available

Purchase Price Calculator

Maximum purchase price
$162,469

Cost breakdown

+Likely effective rent$1,510
HUD FMR$1,440
Market rent$1,550
Est. payment standard (105%)Used$1,510
-Principal and interest-$822
Loan amount$129,975
Down payment$32,494
Rate6.50%
Term30 years
-Operating costs-$488
Property taxes-$162
Insurance-$175
Utilities$0
HOA$0
Management-$151
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,349(74.9% ROI)
Projected value
$174,961
Return breakdown
Property appreciation+$12,492
Loan principal paid down+$4,657
Rental cash flow+$7,200
5-year hold
+$41,654(128.2% ROI)
Projected value
$183,819
Return breakdown
Property appreciation+$21,350
Loan principal paid down+$8,304
Rental cash flow+$12,000
10-year hold
+$89,292(274.8% ROI)
Projected value
$207,974
Return breakdown
Property appreciation+$45,505
Loan principal paid down+$19,787
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.87
1 BR
0.78
2 BR
0.93
3 BR
0.93
4 BR
1.16
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 95501 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 95501 (Eureka, CA) is $1,440 a month. That is up 1.4% from $1,420 in FY 2026. Eureka is in the Humboldt 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 $1,554. Among 38 ZIP codes in Humboldt County, 95501 has the 32nd-highest two-bedroom rent (county range $1,400–$2,270). The median county two-bedroom FMR in California is $1,725, so ZIP 95501 is 17% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 95501
BedroomsFY 2027Change90–110% range
Studio$1,040+2.0%$936–$1,144
1BR$1,100+0.9%$990–$1,210
2BR$1,440+1.4%$1,296–$1,584
3BR$1,990+1.0%$1,791–$2,189
4BR$2,410+1.3%$2,169–$2,651

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 95501
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,040$1,100$1,440$1,990$2,410
FY 2026$1,020$1,090$1,420$1,970$2,380
FY 2025$980$1,040$1,360$1,910$2,280
FY 2024area FMR$950$1,032$1,352$1,905$2,294
FY 2023area FMR$812$907$1,183$1,681$2,015

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

Two-bedroom rent in nearby Humboldt County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 95501
95501Current$1,440—
95502$1,550+7.6%
95503$1,770+22.9%
95511$1,550+7.6%
95514$1,550+7.6%
95518$1,550+7.6%
95519$1,790+24.3%
95521$1,590+10.4%
95524$2,090+45.1%
95525$1,510+4.9%
95526$1,430−0.7%
95528$1,570+9.0%

Questions about ZIP 95501 rents

How much will Section 8 pay for a two-bedroom in ZIP 95501?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,554, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,399 to $1,709 a month; under the ZIP-level Small Area FMR of $1,440 it would be $1,296 to $1,584. 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 95501 in?

ZIP 95501 is in the Humboldt County, CA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,554.

How much did fair market rent change in ZIP 95501 for FY 2027?

The two-bedroom FMR rose 1.4%, from $1,420 in FY 2026 to $1,440 in FY 2027. Since FY 2025 it has risen 5.9%.

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