FY2027 Small Area FMR · Laguna Niguel, CA
ZIP 92677 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 92677 (Laguna Niguel, CA) is $3,690 a month, down 3.9% from FY2026. That is 21% above the Santa Ana-Anaheim-Irvine, CA area-wide FMR of $3,057.
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 92677 sits in the Santa Ana-Anaheim-Irvine, CA area
Of the 147 ZIP codes HUD lists for the area, 92677 has the 20th highest two-bedroom Small Area FMR. Santa Ana-Anaheim-Irvine, CA is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $3,057 for two bedrooms; an agency that opts in to Small Area FMRs would use $3,690 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $3,110 | $2,799 – $3,421 | $2,580 | $3,180 |
| 1 bedroom | $3,150 | $2,835 – $3,465 | $2,610 | $3,260 |
| 2 bedrooms | $3,690 | $3,321 – $4,059 | $3,057 | $3,840 |
| 3 bedrooms | $5,010 | $4,509 – $5,511 | $4,153 | $5,210 |
| 4 bedrooms | $5,990 | $5,391 – $6,589 | $4,964 | $6,230 |
A household renting a two-bedroom home at the Small Area FMR of $3,690 needs about $147,600 a year to keep housing costs at 30% of income. The area median family income is $138,600 and the 80% low-income limit for four people is $148,850. ZIP code 92677 lies mainly in Orange County. See the Santa Ana-Anaheim-Irvine, 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 92677?
HUD's FY2027 Small Area Fair Market Rents for 92677 are $3,110 (studio), $3,150 (1 BR), $3,690 (2 BR), $5,010 (3 BR) and $5,990 (4 BR) a month.
What is the Section 8 payment standard in 92677?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 92677 that range is $3,321 to $4,059 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 92677?
The FY2026 income limits of the Santa Ana-Anaheim-Irvine, CA area apply: median family income $138,600, low-income (80%) limit $148,850 for a family of four.