95638
ZIPSAFMR
Sacramento County, CA
BRFMR
Eff. Rent
0 BR$1,710$1,710
1 BR$1,790$1,790
2 BR$2,200$2,200
3 BR$2,930$2,930
4 BR$3,380$3,380
5 BR$3,887
6 BR$4,470
7 BR$5,141
8 BR$5,912

Purchase Price Calculator

Maximum purchase price
$265,003

Cost breakdown

+Likely effective rent$2,200
HUD FMRUsed$2,200
Market rentN/A
Est. payment standardN/A
HUD FMR fallback; market rent is unavailable.
-Principal and interest-$1,340
Loan amount$212,002
Down payment$53,001
Rate6.50%
Term30 years
-Operating costs-$660
Property taxes-$265
Insurance-$175
Utilities$0
HOA$0
Management-$220
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$35,172(66.4% ROI)
Projected value
$285,379
Current value$265,003
Return breakdown
Property appreciation+$20,376
Loan principal paid down+$7,596
Rental cash flow+$7,200
5-year hold
+$60,368(113.9% ROI)
Projected value
$299,826
Current value$265,003
Return breakdown
Property appreciation+$34,824
Loan principal paid down+$13,545
Rental cash flow+$12,000
10-year hold
+$130,498(246.2% ROI)
Projected value
$339,226
Current value$265,003
Return breakdown
Property appreciation+$74,223
Loan principal paid down+$32,275
Rental cash flow+$24,000

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 95638 (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.

95638 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95638 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,200 and the 4 bedroom fair market rent is $3,380.

Use this page for searches like 95638 FMR, 95638 fair market rent, and 95638 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 95638
Bedroom sizeHUD FMR
Studio$1,710
1 bedroom$1,790
2 bedroom$2,200
3 bedroom$2,930
4 bedroom$3,380