95816
ZIPSAFMR
Sacramento County, CA
BRFMR
Eff. Rent
0 BR$2,120$1,460
1 BR$2,220$1,670
2 BR$2,730$2,530
3 BR$3,630$3,140
4 BR$4,190$3,280
5 BR$4,819
6 BR$5,541
7 BR$6,372
8 BR$7,328

Purchase Price Calculator

Maximum purchase price
$314,040

Cost breakdown

+Likely effective rent$2,530
HUD FMR$2,730
Market rentUsed$2,530
Est. payment standard (95%)$2,600
Market rent is below the inferred standard ($2,600, 95% of FMR).
-Principal and interest-$1,588
Loan amount$251,232
Down payment$62,808
Rate6.50%
Term30 years
-Operating costs-$742
Property taxes-$314
Insurance-$175
Utilities$0
HOA$0
Management-$253
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$40,348(64.2% ROI)
Projected value
$338,187
Current value$314,040
Return breakdown
Property appreciation+$24,147
Loan principal paid down+$9,001
Rental cash flow+$7,200
5-year hold
+$69,319(110.4% ROI)
Projected value
$355,308
Current value$314,040
Return breakdown
Property appreciation+$41,267
Loan principal paid down+$16,051
Rental cash flow+$12,000
10-year hold
+$150,205(239.1% ROI)
Projected value
$401,998
Current value$314,040
Return breakdown
Property appreciation+$87,958
Loan principal paid down+$38,247
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
1.45ratio
FMR$2,120
Market$1,460
vs market+$660

FMR is above market; underwrite to market rent.

90% standard$1,908 / 1.31 ratio110% standard$2,332 / 1.60 ratio
1.45
1 BR
1 BR
1.33ratio
FMR$2,220
Market$1,670
vs market+$550

FMR is above market; underwrite to market rent.

90% standard$1,998 / 1.20 ratio110% standard$2,442 / 1.46 ratio
1.33
2 BR
2 BR
1.08ratio
FMR$2,730
Market$2,530
vs market+$200

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

90% standard$2,457 / 0.97 ratio110% standard$3,003 / 1.19 ratio
1.08
3 BR
3 BR
1.16ratio
FMR$3,630
Market$3,140
vs market+$490

FMR is above market; underwrite to market rent.

90% standard$3,267 / 1.04 ratio110% standard$3,993 / 1.27 ratio
1.16
4 BR
4 BR
1.28ratio
FMR$4,190
Market$3,280
vs market+$910

FMR is above market; underwrite to market rent.

90% standard$3,771 / 1.15 ratio110% standard$4,609 / 1.41 ratio
1.28
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 95816 (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.

95816 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95816 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,730 and the 4 bedroom fair market rent is $4,190.

Use this page for searches like 95816 FMR, 95816 fair market rent, and 95816 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 95816
Bedroom sizeHUD FMR
Studio$2,120
1 bedroom$2,220
2 bedroom$2,730
3 bedroom$3,630
4 bedroom$4,190