95823
ZIPSAFMR
Sacramento County, CA
BRFMR
Eff. Rent
0 BR$1,530$1,430
1 BR$1,610$1,500
2 BR$1,980$1,750
3 BR$2,640$2,250
4 BR$3,040$2,560
5 BR$3,496
6 BR$4,020
7 BR$4,623
8 BR$5,317

Purchase Price Calculator

Maximum purchase price
$198,133

Cost breakdown

+Likely effective rent$1,750
HUD FMR$1,980
Market rentUsed$1,750
Est. payment standard (92%)$1,830
Market rent is below the inferred standard ($1,830, 92% of FMR).
-Principal and interest-$1,002
Loan amount$158,506
Down payment$39,627
Rate6.50%
Term30 years
-Operating costs-$548
Property taxes-$198
Insurance-$175
Utilities$0
HOA$0
Management-$175
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,113(70.9% ROI)
Projected value
$213,367
Current value$198,133
Return breakdown
Property appreciation+$15,235
Loan principal paid down+$5,679
Rental cash flow+$7,200
5-year hold
+$48,163(121.5% ROI)
Projected value
$224,169
Current value$198,133
Return breakdown
Property appreciation+$26,036
Loan principal paid down+$10,127
Rental cash flow+$12,000
10-year hold
+$103,625(261.5% ROI)
Projected value
$253,627
Current value$198,133
Return breakdown
Property appreciation+$55,494
Loan principal paid down+$24,131
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
1.07ratio
FMR$1,530
Market$1,430
vs market+$100

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

90% standard$1,377 / 0.96 ratio110% standard$1,683 / 1.18 ratio
1.07
1 BR
1 BR
1.07ratio
FMR$1,610
Market$1,500
vs market+$110

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

90% standard$1,449 / 0.97 ratio110% standard$1,771 / 1.18 ratio
1.07
2 BR
2 BR
1.13ratio
FMR$1,980
Market$1,750
vs market+$230

FMR is above market; underwrite to market rent.

90% standard$1,782 / 1.02 ratio110% standard$2,178 / 1.24 ratio
1.13
3 BR
3 BR
1.17ratio
FMR$2,640
Market$2,250
vs market+$390

FMR is above market; underwrite to market rent.

90% standard$2,376 / 1.06 ratio110% standard$2,904 / 1.29 ratio
1.17
4 BR
4 BR
1.19ratio
FMR$3,040
Market$2,560
vs market+$480

FMR is above market; underwrite to market rent.

90% standard$2,736 / 1.07 ratio110% standard$3,344 / 1.31 ratio
1.19
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 95823 (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.

95823 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95823 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,980 and the 4 bedroom fair market rent is $3,040.

Use this page for searches like 95823 FMR, 95823 fair market rent, and 95823 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 95823
Bedroom sizeHUD FMR
Studio$1,530
1 bedroom$1,610
2 bedroom$1,980
3 bedroom$2,640
4 bedroom$3,040