95721
ZIPSAFMR
El Dorado County, CA
BRFMR
Eff. Rent
0 BR$1,680$1,850
1 BR$1,760$1,940
2 BR$2,170$2,350
3 BR$2,890$2,970
4 BR$3,330$3,490
5 BR$3,829
6 BR$4,404
7 BR$5,065
8 BR$5,824

Purchase Price Calculator

Maximum purchase price
$287,293

Cost breakdown

+Likely effective rent$2,350
HUD FMR$2,170
Market rent$2,440
Est. payment standard (108%)Used$2,350
Estimated payment standard is $2,350 (108% of FMR).
-Principal and interest-$1,453
Loan amount$229,834
Down payment$57,459
Rate6.50%
Term30 years
-Operating costs-$697
Property taxes-$287
Insurance-$175
Utilities$0
HOA$0
Management-$235
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$37,525(65.3% ROI)
Projected value
$309,383
Current value$287,293
Return breakdown
Property appreciation+$22,090
Loan principal paid down+$8,234
Rental cash flow+$7,200
5-year hold
+$64,437(112.1% ROI)
Projected value
$325,045
Current value$287,293
Return breakdown
Property appreciation+$37,753
Loan principal paid down+$14,684
Rental cash flow+$12,000
10-year hold
+$139,456(242.7% ROI)
Projected value
$367,759
Current value$287,293
Return breakdown
Property appreciation+$80,466
Loan principal paid down+$34,990
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
0.75ratio
FMR$1,680
Market$2,250
vs market-$570

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

90% standard$1,512 / 0.67 ratio110% standard$1,848 / 0.82 ratio
0.75
1 BR
1 BR
0.77ratio
FMR$1,760
Market$2,280
vs market-$520

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

90% standard$1,584 / 0.69 ratio110% standard$1,936 / 0.85 ratio
0.77
2 BR
2 BR
0.89ratio
FMR$2,170
Market$2,440
vs market-$270

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

90% standard$1,953 / 0.80 ratio110% standard$2,387 / 0.98 ratio
0.89
3 BR
3 BR
0.96ratio
FMR$2,890
Market$3,020
vs market-$130

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

90% standard$2,601 / 0.86 ratio110% standard$3,179 / 1.05 ratio
0.96
4 BR
4 BR
0.93ratio
FMR$3,330
Market$3,580
vs market-$250

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

90% standard$2,997 / 0.84 ratio110% standard$3,663 / 1.02 ratio
0.93
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 95721 (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.

95721 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95721 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,170 and the 4 bedroom fair market rent is $3,330.

Use this page for searches like 95721 FMR, 95721 fair market rent, and 95721 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 95721
Bedroom sizeHUD FMR
Studio$1,680
1 bedroom$1,760
2 bedroom$2,170
3 bedroom$2,890
4 bedroom$3,330