IA/Polk County/CAMBRIDGE
CAMBRIDGE, IA
CitySAFMR
Polk County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,020$1,080
1 BR$1,080$1,130
2 BR$1,220$1,250
3 BR$1,690$1,400
4 BR$1,990$1,540
5 BR$2,289
6 BR$2,632
7 BR$3,027
8 BR$3,481

Purchase Price Calculator

Maximum purchase price
$123,833

Cost breakdown

+Likely effective rent$1,250
HUD FMR$1,220
Market rent$1,260
Est. payment standard (102%)Used$1,250
Estimated payment standard is $1,250 (102% of FMR).
-Principal and interest-$626
Loan amount$99,066
Down payment$24,767
Rate6.50%
Term30 years
-Operating costs-$424
Property taxes-$124
Insurance-$175
Utilities$0
HOA$0
Management-$125
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,271(81.8% ROI)
Projected value
$133,355
Current value$123,833
Return breakdown
Property appreciation+$9,522
Loan principal paid down+$3,549
Rental cash flow+$7,200
5-year hold
+$34,602(139.7% ROI)
Projected value
$140,106
Current value$123,833
Return breakdown
Property appreciation+$16,273
Loan principal paid down+$6,329
Rental cash flow+$12,000
10-year hold
+$73,765(297.8% ROI)
Projected value
$158,517
Current value$123,833
Return breakdown
Property appreciation+$34,684
Loan principal paid down+$15,082
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio- 50046
0.92ratio
FMR$1,020
Market$1,110
vs market-$90

FMR is near market; voucher and private rents are aligned.

90% standard$918 / 0.83 ratio110% standard$1,122 / 1.01 ratio
0.92
1 BR
1 BR- 50046
0.94ratio
FMR$1,080
Market$1,150
vs market-$70

FMR is near market; voucher and private rents are aligned.

90% standard$972 / 0.85 ratio110% standard$1,188 / 1.03 ratio
0.94
2 BR
2 BR- 50046
0.97ratio
FMR$1,220
Market$1,260
vs market-$40

FMR is near market; voucher and private rents are aligned.

90% standard$1,098 / 0.87 ratio110% standard$1,342 / 1.07 ratio
0.97
3 BR
3 BR- 50046
1.21ratio
FMR$1,690
Market$1,400
vs market+$290

FMR is above market; underwrite to market rent.

90% standard$1,521 / 1.09 ratio110% standard$1,859 / 1.33 ratio
1.21
4 BR
4 BR- 50046
1.29ratio
FMR$1,990
Market$1,540
vs market+$450

FMR is above market; underwrite to market rent.

90% standard$1,791 / 1.16 ratio110% standard$2,189 / 1.42 ratio
1.29
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for CAMBRIDGE, IA (IA) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

Related ZIPs

CAMBRIDGE, IA fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for CAMBRIDGE, IA shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,220 and the 4 bedroom fair market rent is $1,990.

Use this page for searches like CAMBRIDGE, IA FMR, CAMBRIDGE, IA fair market rent, and CAMBRIDGE, IA Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for CAMBRIDGE, IA
Bedroom sizeHUD FMR
Studio$1,020
1 bedroom$1,080
2 bedroom$1,220
3 bedroom$1,690
4 bedroom$1,990