FY2027 Small Area FMR · San Diego, CA
ZIP 92145 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 92145 (San Diego, CA) is $3,410 a month, down 6.1% from FY2026. That is 21% above the San Diego-Chula Vista-Carlsbad, CA area-wide FMR of $2,823.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 92145 sits in the San Diego-Chula Vista-Carlsbad, CA area
Of the 178 ZIP codes HUD lists for the area, 92145 has the 28th highest two-bedroom Small Area FMR. San Diego-Chula Vista-Carlsbad, CA is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2016), so local housing agencies must set payment standards from this ZIP code's figure, normally between $3,069 and $3,751 for two bedrooms.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $2,650 | $2,385 – $2,915 | $2,192 | $2,760 |
| 1 bedroom | $2,820 | $2,538 – $3,102 | $2,335 | $2,970 |
| 2 bedrooms | $3,410 | $3,069 – $3,751 | $2,823 | $3,630 |
| 3 bedrooms | $4,520 | $4,068 – $4,972 | $3,743 | $4,830 |
| 4 bedrooms | $5,470 | $4,923 – $6,017 | $4,526 | $5,860 |
A household renting a two-bedroom home at the Small Area FMR of $3,410 needs about $136,400 a year to keep housing costs at 30% of income. The area median family income is $130,900 and the 80% low-income limit for four people is $139,900. ZIP code 92145 lies mainly in San Diego County. See the San Diego-Chula Vista-Carlsbad, CA county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 92145?
HUD's FY2027 Small Area Fair Market Rents for 92145 are $2,650 (studio), $2,820 (1 BR), $3,410 (2 BR), $4,520 (3 BR) and $5,470 (4 BR) a month.
What is the Section 8 payment standard in 92145?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 92145 that range is $3,069 to $3,751 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 92145?
The FY2026 income limits of the San Diego-Chula Vista-Carlsbad, CA area apply: median family income $130,900, low-income (80%) limit $139,900 for a family of four.