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Placer County/Roseville/95678

95678

ZIPSAFMR
Placer County, CA
Zillow

ZIP Investment Score

86Below average

095130300
BRFMR
Eff. Rent
0 BR$2,100$1,560
1 BR$2,160$1,830
2 BR$2,650$2,260
3 BR$3,480$2,590
4 BR$4,010$3,020
5 BR$4,612Not available
6 BR$5,303Not available
7 BR$6,099Not available
8 BR$7,014Not available

Purchase Price Calculator

Maximum purchase price
$273,919

Cost breakdown

+Likely effective rent$2,260
HUD FMR$2,650
Market rentUsed$2,260
Est. payment standard (90%)$2,400
-Principal and interest-$1,385
Loan amount$219,135
Down payment$54,784
Rate6.50%
Term30 years
-Operating costs-$675
Property taxes-$274
Insurance-$175
Utilities$0
HOA$0
Management-$226
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$36,113(65.9% ROI)
Projected value
$294,980
Return breakdown
Property appreciation+$21,062
Loan principal paid down+$7,851
Rental cash flow+$7,200
5-year hold
+$61,996(113.2% ROI)
Projected value
$309,914
Return breakdown
Property appreciation+$35,995
Loan principal paid down+$14,001
Rental cash flow+$12,000
10-year hold
+$134,081(244.7% ROI)
Projected value
$350,639
Return breakdown
Property appreciation+$76,720
Loan principal paid down+$33,361
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.35
1 BR
1.18
2 BR
1.17
3 BR
1.34
4 BR
1.33
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 95678 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 95678 (Roseville, CA) is $2,650 a month. That is down 3.6% from $2,750 in FY 2026. Roseville 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 30 ZIP codes in Placer County, 95678 is tied for the 7th-highest two-bedroom rent (county range $1,590–$3,300). The median county two-bedroom FMR in California is $1,725, so ZIP 95678 is 54% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 95678
BedroomsFY 2027Change90–110% range
Studio$2,100−1.4%$1,890–$2,310
1BR$2,160−3.1%$1,944–$2,376
2BR$2,650−3.6%$2,385–$2,915
3BR$3,480−4.9%$3,132–$3,828
4BR$4,010−5.0%$3,609–$4,411

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 95678
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,100$2,160$2,650$3,480$4,010
FY 2026$2,130$2,230$2,750$3,660$4,220
FY 2025$1,990$2,110$2,620$3,550$4,100
FY 2024$1,880$2,030$2,520$3,510$4,040
FY 2023$1,560$1,710$2,140$3,040$3,540

Two-bedroom rent in nearby Placer County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 95678
95648$2,620−1.1%
95650$2,220−16.2%
95658$2,290−13.6%
95661$2,530−4.5%
95663$2,250−15.1%
95677$2,690+1.5%
95678Current$2,650—
95681$2,390−9.8%
95701$2,520−4.9%
95703$1,680−36.6%
95713$1,930−27.2%
95714$1,610−39.2%

Questions about ZIP 95678 rents

How much will Section 8 pay for a two-bedroom in ZIP 95678?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,650, that basic range is $2,385 to $2,915 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 95678 in?

ZIP 95678 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 95678 for FY 2027?

The two-bedroom FMR fell 3.6%, from $2,750 in FY 2026 to $2,650 in FY 2027. Since FY 2023 it has risen 23.8%.

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