95830
ZIPSAFMR
Sacramento County, CA
BRFMR
Eff. Rent
0 BR$2,120$2,330
1 BR$2,220$2,380
2 BR$2,730$2,580
3 BR$3,630$2,760
4 BR$4,180$3,040
5 BR$4,807
6 BR$5,528
7 BR$6,357
8 BR$7,311

Purchase Price Calculator

Maximum purchase price
$321,470

Cost breakdown

+Likely effective rent$2,580
HUD FMR$2,730
Market rentUsed$2,580
Est. payment standard (96%)$2,630
Market rent is below the inferred standard ($2,630, 96% of FMR).
-Principal and interest-$1,626
Loan amount$257,176
Down payment$64,294
Rate6.50%
Term30 years
-Operating costs-$754
Property taxes-$321
Insurance-$175
Utilities$0
HOA$0
Management-$258
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$41,132(64.0% ROI)
Projected value
$346,189
Current value$321,470
Return breakdown
Property appreciation+$24,718
Loan principal paid down+$9,214
Rental cash flow+$7,200
5-year hold
+$70,675(109.9% ROI)
Projected value
$363,714
Current value$321,470
Return breakdown
Property appreciation+$42,244
Loan principal paid down+$16,431
Rental cash flow+$12,000
10-year hold
+$153,191(238.3% ROI)
Projected value
$411,509
Current value$321,470
Return breakdown
Property appreciation+$90,039
Loan principal paid down+$39,152
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
0.87ratio
FMR$2,120
Market$2,450
vs market-$330

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

90% standard$1,908 / 0.78 ratio110% standard$2,332 / 0.95 ratio
0.87
1 BR
1 BR
0.90ratio
FMR$2,220
Market$2,470
vs market-$250

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

90% standard$1,998 / 0.81 ratio110% standard$2,442 / 0.99 ratio
0.90
2 BR
2 BR
1.06ratio
FMR$2,730
Market$2,580
vs market+$150

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

90% standard$2,457 / 0.95 ratio110% standard$3,003 / 1.16 ratio
1.06
3 BR
3 BR
1.32ratio
FMR$3,630
Market$2,760
vs market+$870

FMR is above market; underwrite to market rent.

90% standard$3,267 / 1.18 ratio110% standard$3,993 / 1.45 ratio
1.32
4 BR
4 BR
1.38ratio
FMR$4,180
Market$3,040
vs market+$1,140

FMR is above market; underwrite to market rent.

90% standard$3,762 / 1.24 ratio110% standard$4,598 / 1.51 ratio
1.38
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 95830 (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.

95830 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95830 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 $4,180.

Use this page for searches like 95830 FMR, 95830 fair market rent, and 95830 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 95830
Bedroom sizeHUD FMR
Studio$2,120
1 bedroom$2,220
2 bedroom$2,730
3 bedroom$3,630
4 bedroom$4,180