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Humboldt County/Trinidad/95570

95570

ZIPSAFMR
Humboldt County, CA
Zillow

ZIP Investment Score

62Below average

095130300
BRFMR
Eff. Rent
0 BR$1,640$1,640
1 BR$1,740$1,740
2 BR$2,270$2,270
3 BR$3,140$3,140
4 BR$3,790$3,790
5 BR$4,359Not available
6 BR$5,012Not available
7 BR$5,764Not available
8 BR$6,629Not available

Purchase Price Calculator

Maximum purchase price
$275,405

Cost breakdown

+Likely effective rent$2,270
HUD FMRUsed$2,270
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,393
Loan amount$220,324
Down payment$55,081
Rate6.50%
Term30 years
-Operating costs-$677
Property taxes-$275
Insurance-$175
Utilities$0
HOA$0
Management-$227
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$36,270(65.8% ROI)
Projected value
$296,581
Return breakdown
Property appreciation+$21,176
Loan principal paid down+$7,894
Rental cash flow+$7,200
5-year hold
+$62,267(113.0% ROI)
Projected value
$311,595
Return breakdown
Property appreciation+$36,190
Loan principal paid down+$14,077
Rental cash flow+$12,000
10-year hold
+$134,678(244.5% ROI)
Projected value
$352,541
Return breakdown
Property appreciation+$77,137
Loan principal paid down+$33,542
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
--
Mortgage rate
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ZIP 95570 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 95570 (Trinidad, CA) is $2,270 a month. That is up 5.1% from $2,160 in FY 2026. Trinidad 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, 95570 has the highest two-bedroom rent (county range $1,400–$2,270). The median county two-bedroom FMR in California is $1,725, so ZIP 95570 is 32% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 95570
BedroomsFY 2027Change90–110% range
Studio$1,640+5.8%$1,476–$1,804
1BR$1,740+5.5%$1,566–$1,914
2BR$2,270+5.1%$2,043–$2,497
3BR$3,140+4.7%$2,826–$3,454
4BR$3,790+4.7%$3,411–$4,169

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 95570
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,640$1,740$2,270$3,140$3,790
FY 2026$1,550$1,650$2,160$3,000$3,620
FY 2025$1,480$1,570$2,050$2,870$3,440
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. 95570
95555$1,400−38.3%
95556$1,400−38.3%
95558$1,450−36.1%
95559$1,550−31.7%
95560$1,480−34.8%
95562$1,400−38.3%
95564$1,770−22.0%
95565$1,450−36.1%
95569$1,550−31.7%
95570Current$2,270—
95571$1,550−31.7%
95573$1,490−34.4%

Questions about ZIP 95570 rents

How much will Section 8 pay for a two-bedroom in ZIP 95570?

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 $2,270 it would be $2,043 to $2,497. 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 95570 in?

ZIP 95570 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 95570 for FY 2027?

The two-bedroom FMR rose 5.1%, from $2,160 in FY 2026 to $2,270 in FY 2027. Since FY 2025 it has risen 10.7%.

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