95608
ZIPSAFMR
Sacramento County, CA
BRFMR
Eff. Rent
0 BR$1,700$1,280
1 BR$1,780$1,790
2 BR$2,190$2,020
3 BR$2,920$2,490
4 BR$3,360$2,680
5 BR$3,864
6 BR$4,444
7 BR$5,110
8 BR$5,877

Purchase Price Calculator

Maximum purchase price
$238,255

Cost breakdown

+Likely effective rent$2,020
HUD FMR$2,190
Market rentUsed$2,020
Est. payment standard (95%)$2,080
Market rent is below the inferred standard ($2,080, 95% of FMR).
-Principal and interest-$1,205
Loan amount$190,604
Down payment$47,651
Rate6.50%
Term30 years
-Operating costs-$615
Property taxes-$238
Insurance-$175
Utilities$0
HOA$0
Management-$202
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,348(67.9% ROI)
Projected value
$256,574
Current value$238,255
Return breakdown
Property appreciation+$18,320
Loan principal paid down+$6,829
Rental cash flow+$7,200
5-year hold
+$55,486(116.4% ROI)
Projected value
$269,563
Current value$238,255
Return breakdown
Property appreciation+$31,309
Loan principal paid down+$12,178
Rental cash flow+$12,000
10-year hold
+$119,749(251.3% ROI)
Projected value
$304,986
Current value$238,255
Return breakdown
Property appreciation+$66,731
Loan principal paid down+$29,017
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
1.33ratio
FMR$1,700
Market$1,280
vs market+$420

FMR is above market; underwrite to market rent.

90% standard$1,530 / 1.20 ratio110% standard$1,870 / 1.46 ratio
1.33
1 BR
1 BR
0.99ratio
FMR$1,780
Market$1,800
vs market-$20

FMR is near market; voucher and private rents are aligned.

90% standard$1,602 / 0.89 ratio110% standard$1,958 / 1.09 ratio
0.99
2 BR
2 BR
1.08ratio
FMR$2,190
Market$2,020
vs market+$170

FMR is near market; voucher and private rents are aligned.

90% standard$1,971 / 0.98 ratio110% standard$2,409 / 1.19 ratio
1.08
3 BR
3 BR
1.17ratio
FMR$2,920
Market$2,490
vs market+$430

FMR is above market; underwrite to market rent.

90% standard$2,628 / 1.06 ratio110% standard$3,212 / 1.29 ratio
1.17
4 BR
4 BR
1.25ratio
FMR$3,360
Market$2,680
vs market+$680

FMR is above market; underwrite to market rent.

90% standard$3,024 / 1.13 ratio110% standard$3,696 / 1.38 ratio
1.25
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 95608 (CA) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

95608 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95608 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,190 and the 4 bedroom fair market rent is $3,360.

Use this page for searches like 95608 FMR, 95608 fair market rent, and 95608 Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for 95608
Bedroom sizeHUD FMR
Studio$1,700
1 bedroom$1,780
2 bedroom$2,190
3 bedroom$2,920
4 bedroom$3,360