95864
ZIPSAFMR
Sacramento County, CA
BRFMR
Eff. Rent
0 BR$1,840$1,520
1 BR$1,930$1,940
2 BR$2,370$2,100
3 BR$3,150$2,580
4 BR$3,640$2,960
5 BR$4,186
6 BR$4,814
7 BR$5,536
8 BR$6,366

Purchase Price Calculator

Maximum purchase price
$250,143

Cost breakdown

+Likely effective rent$2,100
HUD FMR$2,370
Market rentUsed$2,100
Est. payment standard (93%)$2,190
Market rent is below the inferred standard ($2,190, 93% of FMR).
-Principal and interest-$1,265
Loan amount$200,114
Down payment$50,029
Rate6.50%
Term30 years
-Operating costs-$635
Property taxes-$250
Insurance-$175
Utilities$0
HOA$0
Management-$210
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$33,603(67.2% ROI)
Projected value
$269,376
Current value$250,143
Return breakdown
Property appreciation+$19,234
Loan principal paid down+$7,170
Rental cash flow+$7,200
5-year hold
+$57,656(115.2% ROI)
Projected value
$283,013
Current value$250,143
Return breakdown
Property appreciation+$32,871
Loan principal paid down+$12,785
Rental cash flow+$12,000
10-year hold
+$124,526(248.9% ROI)
Projected value
$320,204
Current value$250,143
Return breakdown
Property appreciation+$70,061
Loan principal paid down+$30,465
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
1.21ratio
FMR$1,840
Market$1,520
vs market+$320

FMR is above market; underwrite to market rent.

90% standard$1,656 / 1.09 ratio110% standard$2,024 / 1.33 ratio
1.21
1 BR
1 BR
0.99ratio
FMR$1,930
Market$1,950
vs market-$20

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

90% standard$1,737 / 0.89 ratio110% standard$2,123 / 1.09 ratio
0.99
2 BR
2 BR
1.13ratio
FMR$2,370
Market$2,100
vs market+$270

FMR is above market; underwrite to market rent.

90% standard$2,133 / 1.02 ratio110% standard$2,607 / 1.24 ratio
1.13
3 BR
3 BR
1.22ratio
FMR$3,150
Market$2,580
vs market+$570

FMR is above market; underwrite to market rent.

90% standard$2,835 / 1.10 ratio110% standard$3,465 / 1.34 ratio
1.22
4 BR
4 BR
1.23ratio
FMR$3,640
Market$2,960
vs market+$680

FMR is above market; underwrite to market rent.

90% standard$3,276 / 1.11 ratio110% standard$4,004 / 1.35 ratio
1.23
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 95864 (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.

95864 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95864 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,370 and the 4 bedroom fair market rent is $3,640.

Use this page for searches like 95864 FMR, 95864 fair market rent, and 95864 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 95864
Bedroom sizeHUD FMR
Studio$1,840
1 bedroom$1,930
2 bedroom$2,370
3 bedroom$3,150
4 bedroom$3,640