95978
ZIPSAFMR
Butte County, CA
BRFMR
Eff. Rent
0 BR$1,090$1,200
1 BR$1,200$1,320
2 BR$1,530$1,540
3 BR$2,130$1,720
4 BR$2,570$1,760
5 BR$2,955
6 BR$3,399
7 BR$3,909
8 BR$4,495

Purchase Price Calculator

Maximum purchase price
$166,927

Cost breakdown

+Likely effective rent$1,540
HUD FMR$1,530
Market rent$1,550
Est. payment standard (101%)Used$1,540
Estimated payment standard is $1,540 (101% of FMR).
-Principal and interest-$844
Loan amount$133,542
Down payment$33,385
Rate6.50%
Term30 years
-Operating costs-$496
Property taxes-$167
Insurance-$175
Utilities$0
HOA$0
Management-$154
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,820(74.3% ROI)
Projected value
$179,762
Current value$166,927
Return breakdown
Property appreciation+$12,835
Loan principal paid down+$4,784
Rental cash flow+$7,200
5-year hold
+$42,468(127.2% ROI)
Projected value
$188,862
Current value$166,927
Return breakdown
Property appreciation+$21,936
Loan principal paid down+$8,532
Rental cash flow+$12,000
10-year hold
+$91,084(272.8% ROI)
Projected value
$213,681
Current value$166,927
Return breakdown
Property appreciation+$46,754
Loan principal paid down+$20,330
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
0.78ratio
FMR$1,090
Market$1,400
vs market-$310

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

90% standard$981 / 0.70 ratio110% standard$1,199 / 0.86 ratio
0.78
1 BR
1 BR
0.86ratio
FMR$1,200
Market$1,400
vs market-$200

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

90% standard$1,080 / 0.77 ratio110% standard$1,320 / 0.94 ratio
0.86
2 BR
2 BR
0.99ratio
FMR$1,530
Market$1,550
vs market-$20

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

90% standard$1,377 / 0.89 ratio110% standard$1,683 / 1.09 ratio
0.99
3 BR
3 BR
1.24ratio
FMR$2,130
Market$1,720
vs market+$410

FMR is above market; underwrite to market rent.

90% standard$1,917 / 1.11 ratio110% standard$2,343 / 1.36 ratio
1.24
4 BR
4 BR
1.46ratio
FMR$2,570
Market$1,760
vs market+$810

FMR is above market; underwrite to market rent.

90% standard$2,313 / 1.31 ratio110% standard$2,827 / 1.61 ratio
1.46
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 95978 (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.

95978 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 95978 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,530 and the 4 bedroom fair market rent is $2,570.

Use this page for searches like 95978 FMR, 95978 fair market rent, and 95978 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 95978
Bedroom sizeHUD FMR
Studio$1,090
1 bedroom$1,200
2 bedroom$1,530
3 bedroom$2,130
4 bedroom$2,570