95628
ZIPSAFMR
Sacramento County, CA
BRFMR
Eff. Rent
0 BR$1,920$1,590
1 BR$2,020$1,790
2 BR$2,480$2,220
3 BR$3,300$2,760
4 BR$3,810$3,080
5 BR$4,382
6 BR$5,039
7 BR$5,795
8 BR$6,664

Purchase Price Calculator

Maximum purchase price
$267,975

Cost breakdown

+Likely effective rent$2,220
HUD FMR$2,480
Market rentUsed$2,220
Est. payment standard (93%)$2,310
Market rent is below the inferred standard ($2,310, 93% of FMR).
-Principal and interest-$1,355
Loan amount$214,380
Down payment$53,595
Rate6.50%
Term30 years
-Operating costs-$665
Property taxes-$268
Insurance-$175
Utilities$0
HOA$0
Management-$222
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$35,485(66.2% ROI)
Projected value
$288,579
Current value$267,975
Return breakdown
Property appreciation+$20,605
Loan principal paid down+$7,681
Rental cash flow+$7,200
5-year hold
+$60,911(113.7% ROI)
Projected value
$303,189
Current value$267,975
Return breakdown
Property appreciation+$35,214
Loan principal paid down+$13,697
Rental cash flow+$12,000
10-year hold
+$131,692(245.7% ROI)
Projected value
$343,030
Current value$267,975
Return breakdown
Property appreciation+$75,056
Loan principal paid down+$32,637
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
1.21ratio
FMR$1,920
Market$1,590
vs market+$330

FMR is above market; underwrite to market rent.

90% standard$1,728 / 1.09 ratio110% standard$2,112 / 1.33 ratio
1.21
1 BR
1 BR
1.13ratio
FMR$2,020
Market$1,790
vs market+$230

FMR is above market; underwrite to market rent.

90% standard$1,818 / 1.02 ratio110% standard$2,222 / 1.24 ratio
1.13
2 BR
2 BR
1.12ratio
FMR$2,480
Market$2,220
vs market+$260

FMR is above market; underwrite to market rent.

90% standard$2,232 / 1.01 ratio110% standard$2,728 / 1.23 ratio
1.12
3 BR
3 BR
1.20ratio
FMR$3,300
Market$2,760
vs market+$540

FMR is above market; underwrite to market rent.

90% standard$2,970 / 1.08 ratio110% standard$3,630 / 1.32 ratio
1.20
4 BR
4 BR
1.24ratio
FMR$3,810
Market$3,080
vs market+$730

FMR is above market; underwrite to market rent.

90% standard$3,429 / 1.11 ratio110% standard$4,191 / 1.36 ratio
1.24
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 95628 (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.

95628 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95628 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,480 and the 4 bedroom fair market rent is $3,810.

Use this page for searches like 95628 FMR, 95628 fair market rent, and 95628 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 95628
Bedroom sizeHUD FMR
Studio$1,920
1 bedroom$2,020
2 bedroom$2,480
3 bedroom$3,300
4 bedroom$3,810