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Sacramento County/Mather/95655

95655

ZIPSAFMR
Sacramento County, CA
Zillow

ZIP Investment Score

103Above average

095130300
BRFMR
Eff. Rent
0 BR$2,150$1,440
1 BR$2,250$1,690
2 BR$2,770$2,380
3 BR$3,690$2,890
4 BR$4,240$2,960
5 BR$4,876Not available
6 BR$5,607Not available
7 BR$6,449Not available
8 BR$7,416Not available

Purchase Price Calculator

Maximum purchase price
$291,751

Cost breakdown

+Likely effective rent$2,380
HUD FMR$2,770
Market rentUsed$2,380
Est. payment standard (91%)$2,520
-Principal and interest-$1,475
Loan amount$233,400
Down payment$58,350
Rate6.50%
Term30 years
-Operating costs-$705
Property taxes-$292
Insurance-$175
Utilities$0
HOA$0
Management-$238
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$37,995(65.1% ROI)
Projected value
$314,183
Return breakdown
Property appreciation+$22,433
Loan principal paid down+$8,362
Rental cash flow+$7,200
5-year hold
+$65,250(111.8% ROI)
Projected value
$330,089
Return breakdown
Property appreciation+$38,338
Loan principal paid down+$14,912
Rental cash flow+$12,000
10-year hold
+$141,247(242.1% ROI)
Projected value
$373,465
Return breakdown
Property appreciation+$81,715
Loan principal paid down+$35,533
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.49
1 BR
1.33
2 BR
1.16
3 BR
1.28
4 BR
1.43
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 95655 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 95655 (Mather, CA) is $2,770 a month. That is down 9.8% from $3,070 in FY 2026. Mather is in the Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 69 ZIP codes in Sacramento County, 95655 has the 6th-highest two-bedroom rent (county range $1,360–$3,130). The median county two-bedroom FMR in California is $1,725, so ZIP 95655 is 61% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 95655
BedroomsFY 2027Change90–110% range
Studio$2,150−9.7%$1,935–$2,365
1BR$2,250−9.6%$2,025–$2,475
2BR$2,770−9.8%$2,493–$3,047
3BR$3,690−9.8%$3,321–$4,059
4BR$4,240−10.0%$3,816–$4,664

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 95655
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,150$2,250$2,770$3,690$4,240
FY 2026$2,380$2,490$3,070$4,090$4,710
FY 2025$2,270$2,400$2,980$4,040$4,670
FY 2024$2,160$2,330$2,900$4,040$4,650
FY 2023$1,750$1,920$2,410$3,430$3,990

Two-bedroom rent in nearby Sacramento County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 95655
95630$2,920+5.4%
95632$1,930−30.3%
95638$2,260−18.4%
95639$2,630−5.1%
95641$1,390−49.8%
95652$2,510−9.4%
95655Current$2,770—
95660$2,040−26.4%
95662$2,330−15.9%
95670$2,170−21.7%
95671$2,920+5.4%
95673$2,310−16.6%

Questions about ZIP 95655 rents

How much will Section 8 pay for a two-bedroom in ZIP 95655?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,770, that basic range is $2,493 to $3,047 a month. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 95655 in?

ZIP 95655 is in the Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 95655 for FY 2027?

The two-bedroom FMR fell 9.8%, from $3,070 in FY 2026 to $2,770 in FY 2027. Since FY 2023 it has risen 14.9%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentMather, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources