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Amador County/Amador City/95601

95601

ZIPSAFMR
Amador County, CA
Zillow

ZIP Investment Score

66Below average

095130300
BRFMR
Eff. Rent
0 BR$1,380$1,520
1 BR$1,390$1,530
2 BR$1,780$1,960
3 BR$2,240$2,250
4 BR$2,590$2,360
5 BR$2,978Not available
6 BR$3,425Not available
7 BR$3,939Not available
8 BR$4,530Not available

Purchase Price Calculator

Maximum purchase price
$229,339

Cost breakdown

+Likely effective rent$1,960
HUD FMR$1,780
Market rent$2,090
Est. payment standard (110%)Used$1,960
-Principal and interest-$1,160
Loan amount$183,471
Down payment$45,868
Rate6.50%
Term30 years
-Operating costs-$600
Property taxes-$229
Insurance-$175
Utilities$0
HOA$0
Management-$196
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$31,407(68.5% ROI)
Projected value
$246,973
Return breakdown
Property appreciation+$17,634
Loan principal paid down+$6,573
Rental cash flow+$7,200
5-year hold
+$53,859(117.4% ROI)
Projected value
$259,476
Return breakdown
Property appreciation+$30,137
Loan principal paid down+$11,722
Rental cash flow+$12,000
10-year hold
+$116,166(253.3% ROI)
Projected value
$293,573
Return breakdown
Property appreciation+$64,234
Loan principal paid down+$27,931
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.73
1 BR
0.76
2 BR
0.85
3 BR
1.00
4 BR
1.10
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 95601 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 95601 (Amador City, CA) is $1,780 a month. That is up 9.2% from $1,630 in FY 2026. Amador City is in the Amador 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 $1,765. Among 12 ZIP codes in Amador County, 95601 has the 5th-highest two-bedroom rent (county range $1,530–$1,900). The median county two-bedroom FMR in California is $1,725, so ZIP 95601 is 3% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 95601
BedroomsFY 2027Change90–110% range
Studio$1,380+3.8%$1,242–$1,518
1BR$1,390+3.7%$1,251–$1,529
2BR$1,780+9.2%$1,602–$1,958
3BR$2,240+5.2%$2,016–$2,464
4BR$2,590−0.8%$2,331–$2,849

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 95601
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,380$1,390$1,780$2,240$2,590
FY 2026$1,330$1,340$1,630$2,130$2,610
FY 2025$1,140$1,150$1,360$1,900$2,280
FY 2024area FMR$1,128$1,135$1,347$1,898$2,286
FY 2023area FMR$992$998$1,199$1,704$2,042

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

Two-bedroom rent in nearby Amador County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 95601
95601Current$1,780—
95629$1,800+1.1%
95640$1,860+4.5%
95642$1,900+6.7%
95654$1,770−0.6%
95665$1,530−14.0%
95666$1,690−5.1%
95669$1,530−14.0%
95675$1,810+1.7%
95685$1,750−1.7%
95689$1,710−3.9%
95699$1,680−5.6%

Questions about ZIP 95601 rents

How much will Section 8 pay for a two-bedroom in ZIP 95601?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,765, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,589 to $1,942 a month; under the ZIP-level Small Area FMR of $1,780 it would be $1,602 to $1,958. 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 95601 in?

ZIP 95601 is in the Amador County, CA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,765.

How much did fair market rent change in ZIP 95601 for FY 2027?

The two-bedroom FMR rose 9.2%, from $1,630 in FY 2026 to $1,780 in FY 2027. Since FY 2025 it has risen 30.9%.

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