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Humboldt County/Fortuna/95540

95540

ZIPSAFMR
Humboldt County, CA
Zillow

ZIP Investment Score

64Below average

095130300
BRFMR
Eff. Rent
0 BR$1,020$1,120
1 BR$1,080$1,190
2 BR$1,410$1,520
3 BR$1,950$1,950
4 BR$2,360$2,290
5 BR$2,714Not available
6 BR$3,121Not available
7 BR$3,589Not available
8 BR$4,128Not available

Purchase Price Calculator

Maximum purchase price
$163,955

Cost breakdown

+Likely effective rent$1,520
HUD FMR$1,410
Market rent$1,580
Est. payment standard (108%)Used$1,520
-Principal and interest-$829
Loan amount$131,164
Down payment$32,791
Rate6.50%
Term30 years
-Operating costs-$491
Property taxes-$164
Insurance-$175
Utilities$0
HOA$0
Management-$152
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,506(74.7% ROI)
Projected value
$176,561
Return breakdown
Property appreciation+$12,607
Loan principal paid down+$4,699
Rental cash flow+$7,200
5-year hold
+$41,925(127.9% ROI)
Projected value
$185,500
Return breakdown
Property appreciation+$21,545
Loan principal paid down+$8,380
Rental cash flow+$12,000
10-year hold
+$89,889(274.1% ROI)
Projected value
$209,876
Return breakdown
Property appreciation+$45,921
Loan principal paid down+$19,968
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.78
1 BR
0.76
2 BR
0.89
3 BR
1.00
4 BR
1.03
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 95540 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 95540 (Fortuna, CA) is $1,410 a month. That is down 0.7% from $1,420 in FY 2026. Fortuna 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, 95540 has the 34th-highest two-bedroom rent (county range $1,400–$2,270). The median county two-bedroom FMR in California is $1,725, so ZIP 95540 is 18% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 95540
BedroomsFY 2027Change90–110% range
Studio$1,0200.0%$918–$1,122
1BR$1,080−0.9%$972–$1,188
2BR$1,410−0.7%$1,269–$1,551
3BR$1,950−1.0%$1,755–$2,145
4BR$2,360−0.8%$2,124–$2,596

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 95540
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,020$1,080$1,410$1,950$2,360
FY 2026$1,020$1,090$1,420$1,970$2,380
FY 2025$990$1,050$1,370$1,920$2,300
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. 95540
95528$1,570+11.3%
95534$1,550+9.9%
95536$1,450+2.8%
95537$1,700+20.6%
95540Current$1,410—
95542$1,610+14.2%
95545$1,550+9.9%
95546$1,400−0.7%
95547$1,460+3.5%
95549$1,710+21.3%
95550$1,540+9.2%
95551$1,530+8.5%

Questions about ZIP 95540 rents

How much will Section 8 pay for a two-bedroom in ZIP 95540?

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 $1,410 it would be $1,269 to $1,551. 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 95540 in?

ZIP 95540 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 95540 for FY 2027?

The two-bedroom FMR fell 0.7%, from $1,420 in FY 2026 to $1,410 in FY 2027. Since FY 2025 it has risen 2.9%.

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