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Placer County/Auburn/95603

95603

ZIPSAFMR
Placer County, CA
Zillow

ZIP Investment Score

75Below average

095130300
BRFMR
Eff. Rent
0 BR$1,480$1,600
1 BR$1,520$1,670
2 BR$1,870$1,970
3 BR$2,450$2,670
4 BR$2,830$3,110
5 BR$3,254Not available
6 BR$3,743Not available
7 BR$4,304Not available
8 BR$4,950Not available

Purchase Price Calculator

Maximum purchase price
$230,825

Cost breakdown

+Likely effective rent$1,970
HUD FMR$1,870
Market rent$2,020
Est. payment standard (105%)Used$1,970
-Principal and interest-$1,167
Loan amount$184,660
Down payment$46,165
Rate6.50%
Term30 years
-Operating costs-$603
Property taxes-$231
Insurance-$175
Utilities$0
HOA$0
Management-$197
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$31,564(68.4% ROI)
Projected value
$248,573
Return breakdown
Property appreciation+$17,748
Loan principal paid down+$6,616
Rental cash flow+$7,200
5-year hold
+$54,130(117.3% ROI)
Projected value
$261,157
Return breakdown
Property appreciation+$30,332
Loan principal paid down+$11,798
Rental cash flow+$12,000
10-year hold
+$116,763(252.9% ROI)
Projected value
$295,475
Return breakdown
Property appreciation+$64,650
Loan principal paid down+$28,112
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.89
1 BR
0.81
2 BR
0.93
3 BR
0.88
4 BR
0.85
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 95603 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 95603 (Auburn, CA) is $1,870 a month. That is down 2.1% from $1,910 in FY 2026. Auburn is in the Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 30 ZIP codes in Placer County, 95603 has the 26th-highest two-bedroom rent (county range $1,590–$3,300). The median county two-bedroom FMR in California is $1,725, so ZIP 95603 is 8% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 95603
BedroomsFY 2027Change90–110% range
Studio$1,4800.0%$1,332–$1,628
1BR$1,520−1.9%$1,368–$1,672
2BR$1,870−2.1%$1,683–$2,057
3BR$2,450−3.5%$2,205–$2,695
4BR$2,830−3.4%$2,547–$3,113

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 95603
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,480$1,520$1,870$2,450$2,830
FY 2026$1,480$1,550$1,910$2,540$2,930
FY 2025$1,460$1,550$1,920$2,600$3,010
FY 2024$1,370$1,480$1,840$2,560$2,950
FY 2023$1,190$1,310$1,640$2,330$2,710

Two-bedroom rent in nearby Placer County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 95603
95602$2,070+10.7%
95603Current$1,870—
95604$2,520+34.8%
95631$2,170+16.0%
95648$2,620+40.1%
95650$2,220+18.7%
95658$2,290+22.5%
95661$2,530+35.3%
95663$2,250+20.3%
95677$2,690+43.9%
95678$2,650+41.7%
95681$2,390+27.8%

Questions about ZIP 95603 rents

How much will Section 8 pay for a two-bedroom in ZIP 95603?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,870, that basic range is $1,683 to $2,057 a month. 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 95603 in?

ZIP 95603 is in the Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 95603 for FY 2027?

The two-bedroom FMR fell 2.1%, from $1,910 in FY 2026 to $1,870 in FY 2027. Since FY 2023 it has risen 14.0%.

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