95682
ZIPSAFMR
El Dorado County, CA
BRFMR
Eff. Rent
0 BR$1,790$1,650
1 BR$1,880$1,770
2 BR$2,310$2,120
3 BR$3,070$2,730
4 BR$3,540$3,700
5 BR$4,071
6 BR$4,682
7 BR$5,384
8 BR$6,191

Purchase Price Calculator

Maximum purchase price
$253,115

Cost breakdown

+Likely effective rent$2,120
HUD FMR$2,310
Market rentUsed$2,120
Est. payment standard (95%)$2,190
Market rent is below the inferred standard ($2,190, 95% of FMR).
-Principal and interest-$1,280
Loan amount$202,492
Down payment$50,623
Rate6.50%
Term30 years
-Operating costs-$640
Property taxes-$253
Insurance-$175
Utilities$0
HOA$0
Management-$212
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$33,917(67.0% ROI)
Projected value
$272,577
Current value$253,115
Return breakdown
Property appreciation+$19,462
Loan principal paid down+$7,255
Rental cash flow+$7,200
5-year hold
+$58,199(115.0% ROI)
Projected value
$286,376
Current value$253,115
Return breakdown
Property appreciation+$33,261
Loan principal paid down+$12,937
Rental cash flow+$12,000
10-year hold
+$125,721(248.3% ROI)
Projected value
$324,008
Current value$253,115
Return breakdown
Property appreciation+$70,893
Loan principal paid down+$30,827
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
1.08ratio
FMR$1,790
Market$1,650
vs market+$140

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

90% standard$1,611 / 0.98 ratio110% standard$1,969 / 1.19 ratio
1.08
1 BR
1 BR
1.06ratio
FMR$1,880
Market$1,770
vs market+$110

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

90% standard$1,692 / 0.96 ratio110% standard$2,068 / 1.17 ratio
1.06
2 BR
2 BR
1.09ratio
FMR$2,310
Market$2,120
vs market+$190

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

90% standard$2,079 / 0.98 ratio110% standard$2,541 / 1.20 ratio
1.09
3 BR
3 BR
1.12ratio
FMR$3,070
Market$2,730
vs market+$340

FMR is above market; underwrite to market rent.

90% standard$2,763 / 1.01 ratio110% standard$3,377 / 1.24 ratio
1.12
4 BR
4 BR
0.94ratio
FMR$3,540
Market$3,780
vs market-$240

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

90% standard$3,186 / 0.84 ratio110% standard$3,894 / 1.03 ratio
0.94
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 95682 (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.

95682 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95682 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,310 and the 4 bedroom fair market rent is $3,540.

Use this page for searches like 95682 FMR, 95682 fair market rent, and 95682 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 95682
Bedroom sizeHUD FMR
Studio$1,790
1 bedroom$1,880
2 bedroom$2,310
3 bedroom$3,070
4 bedroom$3,540