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 | $1,690 |
| 1 Bedroom | $1,740 |
| 2 Bedrooms | $2,140 |
| 3 Bedrooms | $2,810 |
| 4 Bedrooms | $3,240 |
| 5 Bedrooms | $3,758 |
| 6 Bedrooms | $4,209 |
| 7 Bedrooms | $4,546 |
| 8 Bedrooms | $4,773 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 1BR | $1,740 | $189,581 | 0.92% | C |
| 2BR | $2,140 | $249,311 | 0.86% | C |
| 3BR | $2,810 | $464,608 | 0.6% | D |
| 4BR | $3,240 | $505,100 | 0.64% | D |
| 5BR | $3,758 | $556,805 | 0.67% | D |
U.S. Census Bureau data (2024)
The HUD Fair Market Rent (FMR) for ZIP code 95826 in Rosemont, California, for fiscal year 2024 is set at $1870. In comparison, the market rent, as indicated by the Zillow Observed Rental Index (ZORI), stands at $1816. This suggests that voucher tenants will generally cashflow at the FMR level, with a slight premium of about $54 over the market rate. However, the cashflow is marginal given the close alignment between the FMR and market rent.
To further analyze the investment potential, consider the median home value in the area, which is $475,146. The rent-to-price ratio can be calculated by dividing the annual rent ($1816 * 12 months) by the median home value. This results in an approximate ratio of 4.6%, indicating that rental income is relatively low compared to property values. This metric is useful for understanding how rental properties stack up against home purchases in terms of financial returns.
The rental market in 95826 also shows strong dynamics, with a median Days on Market (DOM) of just 23 days. This short period indicates a robust demand for rental properties, which can translate into quicker turnover times for landlords and small-portfolio investors. Additionally, the price-cut share of only 0.2% implies that rental prices are holding steady, without the need for significant reductions to attract tenants. These factors contribute to a stable rental environment, reducing the risk of vacancy and rent fluctuation.
The strongest investor angle in this market is stability. With consistent demand for rentals and minimal pressure to reduce prices, investors can expect reliable cash flow and a predictable market. While appreciation may occur, the primary benefit is the steady income and low-risk profile that comes with renting in this area.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-07-31). 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.