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95699

ZIPSAFMR
Amador County, CA
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$1,300$1,300
1 BR$1,310$1,310
2 BR$1,680$1,680
3 BR$2,110$2,110
4 BR$2,450$2,450
5 BR$2,818Not available
6 BR$3,240Not available
7 BR$3,726Not available
8 BR$4,285Not available

Purchase Price Calculator

Maximum purchase price
$187,731

Cost breakdown

+Likely effective rent$1,680
HUD FMRUsed$1,680
Market rentN/A
Est. payment standardN/A
-Principal and interest-$949
Loan amount$150,185
Down payment$37,546
Rate6.50%
Term30 years
-Operating costs-$531
Property taxes-$188
Insurance-$175
Utilities$0
HOA$0
Management-$168
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,015(72.0% ROI)
Projected value
$202,166
Return breakdown
Property appreciation+$14,435
Loan principal paid down+$5,381
Rental cash flow+$7,200
5-year hold
+$46,265(123.2% ROI)
Projected value
$212,400
Return breakdown
Property appreciation+$24,669
Loan principal paid down+$9,595
Rental cash flow+$12,000
10-year hold
+$99,444(264.9% ROI)
Projected value
$240,311
Return breakdown
Property appreciation+$52,581
Loan principal paid down+$22,864
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

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

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
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Mortgage rate
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ZIP 95699 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 95699 (Drytown, CA) is $1,680 a month. That is up 4.3% from $1,610 in FY 2026. Drytown is in the Amador County, CA non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,765. Among 12 ZIP codes in Amador County, 95699 has the 10th-highest two-bedroom rent (county range $1,530–$1,900). The median county two-bedroom FMR in California is $1,725, so ZIP 95699 is 3% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 95699
BedroomsFY 2027Change90–110% range
Studio$1,300−0.8%$1,170–$1,430
1BR$1,310−0.8%$1,179–$1,441
2BR$1,680+4.3%$1,512–$1,848
3BR$2,1100.0%$1,899–$2,321
4BR$2,450−5.0%$2,205–$2,695

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 95699
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,300$1,310$1,680$2,110$2,450
FY 2026$1,310$1,320$1,610$2,110$2,580
FY 2025$1,200$1,210$1,430$2,000$2,410
FY 2024area FMR$1,128$1,135$1,347$1,898$2,286
FY 2023area FMR$992$998$1,199$1,704$2,042

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Amador County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 95699
95601$1,780+6.0%
95629$1,800+7.1%
95640$1,860+10.7%
95642$1,900+13.1%
95654$1,770+5.4%
95665$1,530−8.9%
95666$1,690+0.6%
95669$1,530−8.9%
95675$1,810+7.7%
95685$1,750+4.2%
95689$1,710+1.8%
95699Current$1,680—

Questions about ZIP 95699 rents

How much will Section 8 pay for a two-bedroom in ZIP 95699?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,765, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,589 to $1,942 a month; under the ZIP-level Small Area FMR of $1,680 it would be $1,512 to $1,848. 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 95699 in?

ZIP 95699 is in the Amador County, CA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,765.

How much did fair market rent change in ZIP 95699 for FY 2027?

The two-bedroom FMR rose 4.3%, from $1,610 in FY 2026 to $1,680 in FY 2027. Since FY 2025 it has risen 17.5%.

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