95610
ZIPSAFMR
Sacramento County, CA
BRFMR
Eff. Rent
0 BR$1,870$1,600
1 BR$1,960$1,770
2 BR$2,410$2,150
3 BR$3,210$2,450
4 BR$3,700$2,600
5 BR$4,255
6 BR$4,893
7 BR$5,627
8 BR$6,471

Purchase Price Calculator

Maximum purchase price
$257,573

Cost breakdown

+Likely effective rent$2,150
HUD FMR$2,410
Market rentUsed$2,150
Est. payment standard (93%)$2,240
Market rent is below the inferred standard ($2,240, 93% of FMR).
-Principal and interest-$1,302
Loan amount$206,058
Down payment$51,515
Rate6.50%
Term30 years
-Operating costs-$648
Property taxes-$258
Insurance-$175
Utilities$0
HOA$0
Management-$215
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$34,387(66.8% ROI)
Projected value
$277,378
Current value$257,573
Return breakdown
Property appreciation+$19,805
Loan principal paid down+$7,383
Rental cash flow+$7,200
5-year hold
+$59,012(114.6% ROI)
Projected value
$291,420
Current value$257,573
Return breakdown
Property appreciation+$33,847
Loan principal paid down+$13,165
Rental cash flow+$12,000
10-year hold
+$127,512(247.5% ROI)
Projected value
$329,715
Current value$257,573
Return breakdown
Property appreciation+$72,142
Loan principal paid down+$31,370
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
1.17ratio
FMR$1,870
Market$1,600
vs market+$270

FMR is above market; underwrite to market rent.

90% standard$1,683 / 1.05 ratio110% standard$2,057 / 1.29 ratio
1.17
1 BR
1 BR
1.11ratio
FMR$1,960
Market$1,770
vs market+$190

FMR is above market; underwrite to market rent.

90% standard$1,764 / 1.00 ratio110% standard$2,156 / 1.22 ratio
1.11
2 BR
2 BR
1.12ratio
FMR$2,410
Market$2,150
vs market+$260

FMR is above market; underwrite to market rent.

90% standard$2,169 / 1.01 ratio110% standard$2,651 / 1.23 ratio
1.12
3 BR
3 BR
1.31ratio
FMR$3,210
Market$2,450
vs market+$760

FMR is above market; underwrite to market rent.

90% standard$2,889 / 1.18 ratio110% standard$3,531 / 1.44 ratio
1.31
4 BR
4 BR
1.42ratio
FMR$3,700
Market$2,600
vs market+$1,100

FMR is above market; underwrite to market rent.

90% standard$3,330 / 1.28 ratio110% standard$4,070 / 1.57 ratio
1.42
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom 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 95610 (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.

95610 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95610 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,410 and the 4 bedroom fair market rent is $3,700.

Use this page for searches like 95610 FMR, 95610 fair market rent, and 95610 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 95610
Bedroom sizeHUD FMR
Studio$1,870
1 bedroom$1,960
2 bedroom$2,410
3 bedroom$3,210
4 bedroom$3,700