95639
ZIPSAFMR
Sacramento County, CA
BRFMR
Eff. Rent
0 BR$2,100$2,050
1 BR$2,200$2,060
2 BR$2,710$2,510
3 BR$3,610$2,580
4 BR$4,150$2,890
5 BR$4,773
6 BR$5,488
7 BR$6,312
8 BR$7,258

Purchase Price Calculator

Maximum purchase price
$311,068

Cost breakdown

+Likely effective rent$2,510
HUD FMR$2,710
Market rentUsed$2,510
Est. payment standard (95%)$2,580
Market rent is below the inferred standard ($2,580, 95% of FMR).
-Principal and interest-$1,573
Loan amount$248,855
Down payment$62,214
Rate6.50%
Term30 years
-Operating costs-$737
Property taxes-$311
Insurance-$175
Utilities$0
HOA$0
Management-$251
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$40,034(64.3% ROI)
Projected value
$334,987
Current value$311,068
Return breakdown
Property appreciation+$23,918
Loan principal paid down+$8,916
Rental cash flow+$7,200
5-year hold
+$68,776(110.5% ROI)
Projected value
$351,945
Current value$311,068
Return breakdown
Property appreciation+$40,877
Loan principal paid down+$15,899
Rental cash flow+$12,000
10-year hold
+$149,011(239.5% ROI)
Projected value
$398,194
Current value$311,068
Return breakdown
Property appreciation+$87,125
Loan principal paid down+$37,885
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
1.02ratio
FMR$2,100
Market$2,050
vs market+$50

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

90% standard$1,890 / 0.92 ratio110% standard$2,310 / 1.13 ratio
1.02
1 BR
1 BR
1.07ratio
FMR$2,200
Market$2,060
vs market+$140

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

90% standard$1,980 / 0.96 ratio110% standard$2,420 / 1.17 ratio
1.07
2 BR
2 BR
1.08ratio
FMR$2,710
Market$2,510
vs market+$200

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

90% standard$2,439 / 0.97 ratio110% standard$2,981 / 1.19 ratio
1.08
3 BR
3 BR
1.40ratio
FMR$3,610
Market$2,580
vs market+$1,030

FMR is above market; underwrite to market rent.

90% standard$3,249 / 1.26 ratio110% standard$3,971 / 1.54 ratio
1.40
4 BR
4 BR
1.44ratio
FMR$4,150
Market$2,890
vs market+$1,260

FMR is above market; underwrite to market rent.

90% standard$3,735 / 1.29 ratio110% standard$4,565 / 1.58 ratio
1.44
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 95639 (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.

95639 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95639 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,710 and the 4 bedroom fair market rent is $4,150.

Use this page for searches like 95639 FMR, 95639 fair market rent, and 95639 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 95639
Bedroom sizeHUD FMR
Studio$2,100
1 bedroom$2,200
2 bedroom$2,710
3 bedroom$3,610
4 bedroom$4,150