Location: Sacramento--Roseville--Arden-Arcade, CA | Metro: Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $2,000 |
| 1 Bedroom | $2,060 |
| 2 Bedrooms | $2,530 |
| 3 Bedrooms | $3,320 |
| 4 Bedrooms | $3,830 |
| 5 Bedrooms | $4,443 |
| 6 Bedrooms | $4,976 |
| 7 Bedrooms | $5,374 |
| 8 Bedrooms | $5,643 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $2,530 | $436,669 | 0.58% | F |
| 3BR | $3,320 | $597,769 | 0.56% | F |
| 4BR | $3,830 | $779,005 | 0.49% | F |
| 5BR | $4,443 | $1,062,650 | 0.42% | F |
U.S. Census Bureau data (2024)
The potential risks for a Section 8 landlord in ZIP 95661, Roseville, CA, include significant tenant turnover due to the gap between the market rent of $2,282 and the Fair Market Rent (FMR) of $2,450 for FY 2024. This disparity can lead to frequent changes in occupancy, increasing administrative burdens and operational costs.
Vacancy exposure is another concern, given that the Days on Market (DOM) average stands at 11 days. While this indicates a relatively quick leasing process, it also suggests that landlords may face periods of vacancy if they do not have a robust pipeline of Section 8 tenants ready to move in.
Deferred maintenance is a critical issue, especially considering the typical home value of $692,366 and the median income of $105,925. Landlords must be prepared to invest in regular upkeep and repairs, as Section 8 tenants often require more maintenance support due to financial constraints. The higher home values in the area mean that the cost of repairs and maintenance could be substantial.
However, these risks are offset by the high renter share in the area, which stands at 37.3%. High renter density typically correlates with increased demand for rental properties, including those accepting Section 8 vouchers. This demand can help mitigate the impact of tenant turnover and vacancy exposure.
In conclusion, the risk for a first-time Section 8 landlord in ZIP 95661 is moderate.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-08-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.