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95713

ZIPSAFMR
Placer County, CA

ZIP Investment Score

81Below average

095130300
BRFMR
Eff. Rent
0 BR$1,530$1,530
1 BR$1,570$1,570
2 BR$1,930$1,930
3 BR$2,530$2,530
4 BR$2,920$2,920
5 BR$3,358Not available
6 BR$3,862Not available
7 BR$4,441Not available
8 BR$5,107Not available

Purchase Price Calculator

Maximum purchase price
$224,881

Cost breakdown

+Likely effective rent$1,930
HUD FMRUsed$1,930
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,137
Loan amount$179,905
Down payment$44,976
Rate6.50%
Term30 years
-Operating costs-$593
Property taxes-$225
Insurance-$175
Utilities$0
HOA$0
Management-$193
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,937(68.8% ROI)
Projected value
$242,172
Return breakdown
Property appreciation+$17,291
Loan principal paid down+$6,446
Rental cash flow+$7,200
5-year hold
+$53,045(117.9% ROI)
Projected value
$254,432
Return breakdown
Property appreciation+$29,551
Loan principal paid down+$11,494
Rental cash flow+$12,000
10-year hold
+$114,374(254.3% ROI)
Projected value
$287,866
Return breakdown
Property appreciation+$62,986
Loan principal paid down+$27,388
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
--
Tax rate
--
Mortgage rate
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ZIP 95713 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 95713 (Colfax, CA) is $1,930 a month. That is down 3.0% from $1,990 in FY 2026. Colfax 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, 95713 has the 23rd-highest two-bedroom rent (county range $1,590–$3,300). The median county two-bedroom FMR in California is $1,725, so ZIP 95713 is 12% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 95713
BedroomsFY 2027Change90–110% range
Studio$1,530−0.6%$1,377–$1,683
1BR$1,570−3.1%$1,413–$1,727
2BR$1,930−3.0%$1,737–$2,123
3BR$2,530−4.5%$2,277–$2,783
4BR$2,920−4.3%$2,628–$3,212

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 95713
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,530$1,570$1,930$2,530$2,920
FY 2026$1,540$1,620$1,990$2,650$3,050
FY 2025$1,500$1,590$1,970$2,670$3,080
FY 2024$1,470$1,580$1,970$2,740$3,160
FY 2023$1,280$1,400$1,760$2,500$2,910

Two-bedroom rent in nearby Placer County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 95713
95681$2,390+23.8%
95701$2,520+30.6%
95703$1,680−13.0%
95713Current$1,930—
95714$1,610−16.6%
95715$2,520+30.6%
95717$1,880−2.6%
95722$2,350+21.8%
95724$1,890−2.1%
95736$2,680+38.9%
95746$3,300+71.0%
95747$2,730+41.5%

Questions about ZIP 95713 rents

How much will Section 8 pay for a two-bedroom in ZIP 95713?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,930, that basic range is $1,737 to $2,123 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 95713 in?

ZIP 95713 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 95713 for FY 2027?

The two-bedroom FMR fell 3.0%, from $1,990 in FY 2026 to $1,930 in FY 2027. Since FY 2023 it has risen 9.7%.

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