KY/Rowan County/CLEARFIELD
CLEARFIELD, KY
CitySAFMR
Rowan County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$700$770
1 BR$820$900
2 BR$1,020$1,030
3 BR$1,290$1,080
4 BR$1,710$1,170
5 BR$1,966
6 BR$2,261
7 BR$2,601
8 BR$2,991

Purchase Price Calculator

Maximum purchase price
$91,141

Cost breakdown

+Likely effective rent$1,030
HUD FMR$1,020
Market rent$1,040
Est. payment standard (101%)Used$1,030
Estimated payment standard is $1,030 (101% of FMR).
-Principal and interest-$461
Loan amount$72,913
Down payment$18,228
Rate6.50%
Term30 years
-Operating costs-$369
Property taxes-$91
Insurance-$175
Utilities$0
HOA$0
Management-$103
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,820(92.3% ROI)
Projected value
$98,149
Current value$91,141
Return breakdown
Property appreciation+$7,008
Loan principal paid down+$2,612
Rental cash flow+$7,200
5-year hold
+$28,635(157.1% ROI)
Projected value
$103,118
Current value$91,141
Return breakdown
Property appreciation+$11,977
Loan principal paid down+$4,658
Rental cash flow+$12,000
10-year hold
+$60,627(332.6% ROI)
Projected value
$116,668
Current value$91,141
Return breakdown
Property appreciation+$25,527
Loan principal paid down+$11,100
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- 40313
0.72ratio
FMR$700
Market$970
vs market-$270

FMR is below market; voucher rent may lag private rents.

90% standard$630 / 0.65 ratio110% standard$770 / 0.79 ratio
0.72
1 BR
1 BR- 40313
0.83ratio
FMR$820
Market$990
vs market-$170

FMR is below market; voucher rent may lag private rents.

90% standard$738 / 0.75 ratio110% standard$902 / 0.91 ratio
0.83
2 BR
2 BR- 40313
0.98ratio
FMR$1,020
Market$1,040
vs market-$20

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

90% standard$918 / 0.88 ratio110% standard$1,122 / 1.08 ratio
0.98
3 BR
3 BR- 40313
1.19ratio
FMR$1,290
Market$1,080
vs market+$210

FMR is above market; underwrite to market rent.

90% standard$1,161 / 1.07 ratio110% standard$1,419 / 1.31 ratio
1.19
4 BR
4 BR- 40313
1.46ratio
FMR$1,710
Market$1,170
vs market+$540

FMR is above market; underwrite to market rent.

90% standard$1,539 / 1.32 ratio110% standard$1,881 / 1.61 ratio
1.46
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 CLEARFIELD, KY (KY) 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

CLEARFIELD, KY fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for CLEARFIELD, KY shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,020 and the 4 bedroom fair market rent is $1,710.

Use this page for searches like CLEARFIELD, KY FMR, CLEARFIELD, KY fair market rent, and CLEARFIELD, KY 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 CLEARFIELD, KY
Bedroom sizeHUD FMR
Studio$700
1 bedroom$820
2 bedroom$1,020
3 bedroom$1,290
4 bedroom$1,710