95832
ZIPSAFMR
Sacramento County, CA
BRFMR
Eff. Rent
0 BR$1,910$1,790
1 BR$2,010$1,790
2 BR$2,470$2,060
3 BR$3,290$2,810
4 BR$3,790$2,960
5 BR$4,359
6 BR$5,012
7 BR$5,764
8 BR$6,629

Purchase Price Calculator

Maximum purchase price
$244,199

Cost breakdown

+Likely effective rent$2,060
HUD FMR$2,470
Market rentUsed$2,060
Est. payment standard (90%)$2,220
Market rent is below the inferred standard ($2,220, 90% of FMR).
-Principal and interest-$1,235
Loan amount$195,359
Down payment$48,840
Rate6.50%
Term30 years
-Operating costs-$625
Property taxes-$244
Insurance-$175
Utilities$0
HOA$0
Management-$206
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,976(67.5% ROI)
Projected value
$262,975
Current value$244,199
Return breakdown
Property appreciation+$18,777
Loan principal paid down+$6,999
Rental cash flow+$7,200
5-year hold
+$56,571(115.8% ROI)
Projected value
$276,288
Current value$244,199
Return breakdown
Property appreciation+$32,090
Loan principal paid down+$12,482
Rental cash flow+$12,000
10-year hold
+$122,137(250.1% ROI)
Projected value
$312,595
Current value$244,199
Return breakdown
Property appreciation+$68,396
Loan principal paid down+$29,741
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$1,910
Market$1,790
vs market+$120

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

90% standard$1,719 / 0.96 ratio110% standard$2,101 / 1.17 ratio
1.07
1 BR
1 BR
1.12ratio
FMR$2,010
Market$1,790
vs market+$220

FMR is above market; underwrite to market rent.

90% standard$1,809 / 1.01 ratio110% standard$2,211 / 1.24 ratio
1.12
2 BR
2 BR
1.20ratio
FMR$2,470
Market$2,060
vs market+$410

FMR is above market; underwrite to market rent.

90% standard$2,223 / 1.08 ratio110% standard$2,717 / 1.32 ratio
1.20
3 BR
3 BR
1.17ratio
FMR$3,290
Market$2,810
vs market+$480

FMR is above market; underwrite to market rent.

90% standard$2,961 / 1.05 ratio110% standard$3,619 / 1.29 ratio
1.17
4 BR
4 BR
1.28ratio
FMR$3,790
Market$2,960
vs market+$830

FMR is above market; underwrite to market rent.

90% standard$3,411 / 1.15 ratio110% standard$4,169 / 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 95832 (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.

95832 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95832 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,470 and the 4 bedroom fair market rent is $3,790.

Use this page for searches like 95832 FMR, 95832 fair market rent, and 95832 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 95832
Bedroom sizeHUD FMR
Studio$1,910
1 bedroom$2,010
2 bedroom$2,470
3 bedroom$3,290
4 bedroom$3,790