95821
ZIPSAFMR
Sacramento County, CA
BRFMR
Eff. Rent
0 BR$1,540$1,320
1 BR$1,620$1,660
2 BR$1,990$1,960
3 BR$2,650$2,410
4 BR$3,050$2,600
5 BR$3,507
6 BR$4,034
7 BR$4,639
8 BR$5,334

Purchase Price Calculator

Maximum purchase price
$229,339

Cost breakdown

+Likely effective rent$1,960
HUD FMR$1,990
Market rentUsed$1,960
Est. payment standard (99%)$1,970
Market rent is below the inferred standard ($1,970, 99% of FMR).
-Principal and interest-$1,160
Loan amount$183,471
Down payment$45,868
Rate6.50%
Term30 years
-Operating costs-$600
Property taxes-$229
Insurance-$175
Utilities$0
HOA$0
Management-$196
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$31,407(68.5% ROI)
Projected value
$246,973
Current value$229,339
Return breakdown
Property appreciation+$17,634
Loan principal paid down+$6,573
Rental cash flow+$7,200
5-year hold
+$53,859(117.4% ROI)
Projected value
$259,476
Current value$229,339
Return breakdown
Property appreciation+$30,137
Loan principal paid down+$11,722
Rental cash flow+$12,000
10-year hold
+$116,166(253.3% ROI)
Projected value
$293,573
Current value$229,339
Return breakdown
Property appreciation+$64,234
Loan principal paid down+$27,931
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
1.17ratio
FMR$1,540
Market$1,320
vs market+$220

FMR is above market; underwrite to market rent.

90% standard$1,386 / 1.05 ratio110% standard$1,694 / 1.28 ratio
1.17
1 BR
1 BR
0.96ratio
FMR$1,620
Market$1,680
vs market-$60

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

90% standard$1,458 / 0.87 ratio110% standard$1,782 / 1.06 ratio
0.96
2 BR
2 BR
1.02ratio
FMR$1,990
Market$1,960
vs market+$30

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

90% standard$1,791 / 0.91 ratio110% standard$2,189 / 1.12 ratio
1.02
3 BR
3 BR
1.10ratio
FMR$2,650
Market$2,410
vs market+$240

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

90% standard$2,385 / 0.99 ratio110% standard$2,915 / 1.21 ratio
1.10
4 BR
4 BR
1.17ratio
FMR$3,050
Market$2,600
vs market+$450

FMR is above market; underwrite to market rent.

90% standard$2,745 / 1.06 ratio110% standard$3,355 / 1.29 ratio
1.17
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 95821 (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.

95821 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95821 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,990 and the 4 bedroom fair market rent is $3,050.

Use this page for searches like 95821 FMR, 95821 fair market rent, and 95821 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 95821
Bedroom sizeHUD FMR
Studio$1,540
1 bedroom$1,620
2 bedroom$1,990
3 bedroom$2,650
4 bedroom$3,050