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Sacramento County/Sacramento/95814

95814

ZIPSAFMR
Sacramento County, CA
Zillow

ZIP Investment Score

60Below average

095130300
BRFMR
Eff. Rent
0 BR$1,700$1,440
1 BR$1,750$1,850
2 BR$2,150$2,370
3 BR$2,820$2,620
4 BR$3,250$1,790
5 BR$3,737Not available
6 BR$4,298Not available
7 BR$4,943Not available
8 BR$5,684Not available

Purchase Price Calculator

Maximum purchase price
$290,265

Cost breakdown

+Likely effective rent$2,370
HUD FMR$2,150
Market rent$2,840
Est. payment standard (110%)Used$2,370
-Principal and interest-$1,468
Loan amount$232,212
Down payment$58,053
Rate6.50%
Term30 years
-Operating costs-$702
Property taxes-$290
Insurance-$175
Utilities$0
HOA$0
Management-$237
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$37,838(65.2% ROI)
Projected value
$312,583
Return breakdown
Property appreciation+$22,319
Loan principal paid down+$8,320
Rental cash flow+$7,200
5-year hold
+$64,979(111.9% ROI)
Projected value
$328,408
Return breakdown
Property appreciation+$38,143
Loan principal paid down+$14,836
Rental cash flow+$12,000
10-year hold
+$140,650(242.3% ROI)
Projected value
$371,563
Return breakdown
Property appreciation+$81,299
Loan principal paid down+$35,352
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.18
1 BR
0.92
2 BR
0.76
3 BR
1.08
4 BR
1.82
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 95814 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 95814 (Sacramento, CA) is $2,150 a month. That is up 1.4% from $2,120 in FY 2026. Sacramento 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 69 ZIP codes in Sacramento County, 95814 has the 47th-highest two-bedroom rent (county range $1,360–$3,130). The median county two-bedroom FMR in California is $1,725, so ZIP 95814 is 25% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 95814
BedroomsFY 2027Change90–110% range
Studio$1,700+3.7%$1,530–$1,870
1BR$1,750+1.7%$1,575–$1,925
2BR$2,150+1.4%$1,935–$2,365
3BR$2,8200.0%$2,538–$3,102
4BR$3,2500.0%$2,925–$3,575

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 95814
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,700$1,750$2,150$2,820$3,250
FY 2026$1,640$1,720$2,120$2,820$3,250
FY 2025$1,520$1,610$2,000$2,710$3,130
FY 2024$1,410$1,530$1,900$2,640$3,050
FY 2023$1,260$1,380$1,730$2,460$2,860

Two-bedroom rent in nearby Sacramento County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 95814
95811$2,340+8.8%
95812$2,170+0.9%
95813$2,170+0.9%
95814Current$2,150—
95815$1,850−14.0%
95816$2,630+22.3%
95817$1,990−7.4%
95818$2,480+15.3%
95819$2,510+16.7%
95820$1,940−9.8%
95821$1,940−9.8%
95822$2,050−4.7%

Questions about ZIP 95814 rents

How much will Section 8 pay for a two-bedroom in ZIP 95814?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,150, that basic range is $1,935 to $2,365 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 95814 in?

ZIP 95814 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 95814 for FY 2027?

The two-bedroom FMR rose 1.4%, from $2,120 in FY 2026 to $2,150 in FY 2027. Since FY 2023 it has risen 24.3%.

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

County fair market rentSacramento, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources