FY 2026 HUD SAFMR San Diego +266% vs US

ZIP HUD FMR profile

92011 Carlsbad, CA Fair Market Rent

FY 2026 HUD Small Area FMR for ZIP 92011 (San Diego-Chula Vista-Carlsbad, CA MSA). ZIP-specific schedule - not county-wide FMR, not current asking rent.

$3,510
1-bedroom SAFMR / mo
+266%
vs US average
$140,400
Income needed (30% rule)

Carlsbad, CA — San Diego. Population: 22,405 (Census). FY 2026 HUD Small Area FMR.

How this rate was derived: HUD publishes Small Area Fair Market Rents at the ZIP code level for designated metros. ZIP 92011 uses the FY 2026 SAFMR for San Diego-Chula Vista-Carlsbad, CA MSA ($3,510 1BR). The county-wide FMR schedule for San Diego may differ; this page prefers the ZIP-specific SAFMR. Apartments may rent above or below FMR, which is HUD's 40th-percentile gross-rent estimate, not live asking rent.

The displayed HUD FMR for ZIP 92011 (Carlsbad) is 266% above the national average and 113% above the state average. A 1-bedroom benchmark is $3,510/mo compared to $959 nationally. Source: HUD Small Area FMR. You need at least $140,400/year to afford a 1-bedroom at this FMR (30% rule).

What the FMR for ZIP 92011 actually means

HUD publishes Small Area Fair Market Rents at the ZIP code level for designated metros. ZIP 92011 (Carlsbad, CA) is covered by San Diego-Chula Vista-Carlsbad, CA MSA, so FY 2026 figures here are ZIP-specific: $3,510 for a 1-bedroom, studio $3,260, 2-bedroom $4,280, 3-bedroom $5,700, and 4-bedroom $6,910. These are 40th-percentile gross rents (utilities except telephone), not live asking rents. Housing Choice Voucher payment standards are typically set between 90% and 110% of the applicable FMR/SAFMR.

Because this page uses SAFMR, nearby ZIPs in San Diego can show different bedroom figures. Against the national benchmark the 1-bedroom SAFMR here is 266% above the US average of $959, and 113% above the CA state average of $1,647.

For budgeting, the 30% affordability rule says rent should not exceed 30% of gross household income. At the FY 2026 1-bedroom FMR of $3,510, that implies a household income of $140,400 per year (about $11,700/month) to avoid being cost-burdened, a 2-bedroom at $4,280 lifts that threshold higher still. ZIP 92011 has a population of 22,405 residents, so the gap between these FMR figures and local wages shapes how many households qualify as rent-burdened (paying more than 30% of income) or severely burdened (above 50%).

Fair Market Rents (2026)

Studio
State avg: $1,513 · US avg: $893
$3,260/mo
↑ 52.0% YoY +115% vs state +265% vs US
1 Bedroom
State avg: $1,647 · US avg: $959
$3,510/mo
↑ 50.8% YoY +113% vs state +266% vs US
2 Bedroom
State avg: $2,053 · US avg: $1,175
$4,280/mo
↑ 48.6% YoY +108% vs state +264% vs US
3 Bedroom
State avg: $2,752 · US avg: $1,525
$5,700/mo
↑ 48.0% YoY +107% vs state +274% vs US
4 Bedroom
State avg: $3,165 · US avg: $1,756
$6,910/mo
↑ 47.3% YoY +118% vs state +294% vs US

Affordability Snapshot

Based on the standard that rent should not exceed 30% of gross income:

Required annual income for 1 BR
$140,400
$11,700/month gross
Required annual income for 2 BR
$171,200
$14,267/month gross

County Information

ZIP 92011 is in San Diego. HUD sets Fair Market Rents at the county level, so all ZIP codes within San Diego share the same FMR.

Nearby ZIP Codes in San Diego

Frequently Asked Questions

What is the HUD Fair Market Rent for ZIP code 92011?
The FY 2026 HUD Small Area FMR for a 1-bedroom in ZIP 92011 (Carlsbad, CA) is $3,510 per month. A 2-bedroom is $4,280 and a studio is $3,260. These are ZIP-level SAFMR figures from HUD for San Diego-Chula Vista-Carlsbad, CA MSA, not asking rents.
How does the FMR in 92011 compare to the national average?
The displayed 1-bedroom FMR for ZIP 92011 is 266% above the national average ($3,510 vs $959).
What income do I need to afford the FMR in 92011?
Based on the 30% affordability rule, you need an annual income of at least $140,400 to afford a 1-bedroom at the displayed HUD FMR in ZIP 92011 (Carlsbad, CA).
What county is ZIP code 92011 in?
ZIP 92011 is in San Diego, CA. This page uses HUD's Small Area FMR for the ZIP (San Diego-Chula Vista-Carlsbad, CA MSA), which can differ from the county-wide FMR schedule.

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Data source: U.S. Department of Housing and Urban Development, FY 2026 Fair Market Rents. ZIP-to-county mapping from U.S. Census Bureau. FMRs are set at the county or metro level; individual ZIP code rents may vary.