95709
ZIPSAFMR
El Dorado County, CA
BRFMR
Eff. Rent
0 BR$1,430$1,550
1 BR$1,500$1,650
2 BR$1,850$2,040
3 BR$2,460$2,510
4 BR$2,840$2,790
5 BR$3,266
6 BR$3,756
7 BR$4,319
8 BR$4,967

Purchase Price Calculator

Maximum purchase price
$241,227

Cost breakdown

+Likely effective rent$2,040
HUD FMR$1,850
Market rent$2,220
Est. payment standard (110%)Used$2,040
Estimated payment standard is $2,040 (110% of FMR).
-Principal and interest-$1,220
Loan amount$192,981
Down payment$48,245
Rate6.50%
Term30 years
-Operating costs-$620
Property taxes-$241
Insurance-$175
Utilities$0
HOA$0
Management-$204
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,662(67.7% ROI)
Projected value
$259,775
Current value$241,227
Return breakdown
Property appreciation+$18,548
Loan principal paid down+$6,914
Rental cash flow+$7,200
5-year hold
+$56,029(116.1% ROI)
Projected value
$272,926
Current value$241,227
Return breakdown
Property appreciation+$31,699
Loan principal paid down+$12,330
Rental cash flow+$12,000
10-year hold
+$120,943(250.7% ROI)
Projected value
$308,791
Current value$241,227
Return breakdown
Property appreciation+$67,564
Loan principal paid down+$29,379
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
0.89ratio
FMR$1,430
Market$1,610
vs market-$180

FMR is below market; voucher rent may lag private rents.

90% standard$1,287 / 0.80 ratio110% standard$1,573 / 0.98 ratio
0.89
1 BR
1 BR
0.87ratio
FMR$1,500
Market$1,730
vs market-$230

FMR is below market; voucher rent may lag private rents.

90% standard$1,350 / 0.78 ratio110% standard$1,650 / 0.95 ratio
0.87
2 BR
2 BR
0.83ratio
FMR$1,850
Market$2,220
vs market-$370

FMR is below market; voucher rent may lag private rents.

90% standard$1,665 / 0.75 ratio110% standard$2,035 / 0.92 ratio
0.83
3 BR
3 BR
0.97ratio
FMR$2,460
Market$2,530
vs market-$70

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

90% standard$2,214 / 0.88 ratio110% standard$2,706 / 1.07 ratio
0.97
4 BR
4 BR
1.02ratio
FMR$2,840
Market$2,790
vs market+$50

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

90% standard$2,556 / 0.92 ratio110% standard$3,124 / 1.12 ratio
1.02
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 95709 (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.

95709 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95709 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,850 and the 4 bedroom fair market rent is $2,840.

Use this page for searches like 95709 FMR, 95709 fair market rent, and 95709 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 95709
Bedroom sizeHUD FMR
Studio$1,430
1 bedroom$1,500
2 bedroom$1,850
3 bedroom$2,460
4 bedroom$2,840