95630
ZIPSAFMR
Sacramento County, CA
BRFMR
Eff. Rent
0 BR$2,330$1,880
1 BR$2,450$1,940
2 BR$3,010$2,370
3 BR$4,010$2,770
4 BR$4,620$2,950
5 BR$5,313
6 BR$6,110
7 BR$7,026
8 BR$8,080

Purchase Price Calculator

Maximum purchase price
$290,265

Cost breakdown

+Likely effective rent$2,370
HUD FMR$3,010
Market rentUsed$2,370
Est. payment standard (90%)$2,710
Market rent is below the inferred standard ($2,710, 90% of FMR).
-Principal and interest-$1,468
Loan amount$232,212
Down payment$58,053
Rate6.50%
Term30 years
-Operating costs-$702
Property taxes-$290
Insurance-$175
Utilities$0
HOA$0
Management-$237
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$37,838(65.2% ROI)
Projected value
$312,583
Current value$290,265
Return breakdown
Property appreciation+$22,319
Loan principal paid down+$8,320
Rental cash flow+$7,200
5-year hold
+$64,979(111.9% ROI)
Projected value
$328,408
Current value$290,265
Return breakdown
Property appreciation+$38,143
Loan principal paid down+$14,836
Rental cash flow+$12,000
10-year hold
+$140,650(242.3% ROI)
Projected value
$371,563
Current value$290,265
Return breakdown
Property appreciation+$81,299
Loan principal paid down+$35,352
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

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

Studio
Studio
1.24ratio
FMR$2,330
Market$1,880
vs market+$450

FMR is above market; underwrite to market rent.

90% standard$2,097 / 1.12 ratio110% standard$2,563 / 1.36 ratio
1.24
1 BR
1 BR
1.26ratio
FMR$2,450
Market$1,940
vs market+$510

FMR is above market; underwrite to market rent.

90% standard$2,205 / 1.14 ratio110% standard$2,695 / 1.39 ratio
1.26
2 BR
2 BR
1.27ratio
FMR$3,010
Market$2,370
vs market+$640

FMR is above market; underwrite to market rent.

90% standard$2,709 / 1.14 ratio110% standard$3,311 / 1.40 ratio
1.27
3 BR
3 BR
1.45ratio
FMR$4,010
Market$2,770
vs market+$1,240

FMR is above market; underwrite to market rent.

90% standard$3,609 / 1.30 ratio110% standard$4,411 / 1.59 ratio
1.45
4 BR
4 BR
1.57ratio
FMR$4,620
Market$2,950
vs market+$1,670

FMR is above market; underwrite to market rent.

1.57
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 95630 (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.

95630 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95630 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,010 and the 4 bedroom fair market rent is $4,620.

Use this page for searches like 95630 FMR, 95630 fair market rent, and 95630 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 95630
Bedroom sizeHUD FMR
Studio$2,330
1 bedroom$2,450
2 bedroom$3,010
3 bedroom$4,010
4 bedroom$4,620