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Concho, AZ

CitySAFMR
Apache County
Found 1 ZIP

City Median Investment Score

213High yield potential

095130300
BRFMR
Eff. Rent
0 BR$1,090$1,090
1 BR$1,180$1,180
2 BR$1,550$1,550
3 BR$1,980$1,980
4 BR$2,200$2,200
5 BR$2,530Not available
6 BR$2,909Not available
7 BR$3,346Not available
8 BR$3,848Not available

Purchase Price Calculator

Maximum purchase price
$168,413

Cost breakdown

+Likely effective rent$1,550
HUD FMRUsed$1,550
Market rentN/A
Est. payment standardN/A
-Principal and interest-$852
Loan amount$134,730
Down payment$33,683
Rate6.50%
Term30 years
-Operating costs-$498
Property taxes-$168
Insurance-$175
Utilities$0
HOA$0
Management-$155
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,976(74.2% ROI)
Projected value
$181,362
Return breakdown
Property appreciation+$12,949
Loan principal paid down+$4,827
Rental cash flow+$7,200
5-year hold
+$42,739(126.9% ROI)
Projected value
$190,544
Return breakdown
Property appreciation+$22,131
Loan principal paid down+$8,608
Rental cash flow+$12,000
10-year hold
+$91,681(272.2% ROI)
Projected value
$215,583
Return breakdown
Property appreciation+$47,170
Loan principal paid down+$20,511
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
--
Tax rate
--
Mortgage rate
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Concho, AZ fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Concho, AZ is $1,550 a month. That is up 1.3% from $1,530 in FY 2026. Concho is in the Apache County, AZ non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,071. The median county two-bedroom FMR in Arizona is $1,244, so Concho is 25% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Concho, AZ
BedroomsFY 2027Change90–110% range
Studio$1,0900.0%$981–$1,199
1BR$1,180−0.8%$1,062–$1,298
2BR$1,550+1.3%$1,395–$1,705
3BR$1,980+1.5%$1,782–$2,178
4BR$2,200+3.3%$1,980–$2,420

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Concho, AZ
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,090$1,180$1,550$1,980$2,200
FY 2026$1,090$1,190$1,530$1,950$2,130
FY 2025$1,060$1,140$1,490$1,880$2,010
FY 2024area FMR$716$804$1,057$1,417$1,461
FY 2023area FMR$618$703$925$1,233$1,284

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Questions about Concho, AZ rents

How much will Section 8 pay for a two-bedroom in Concho, AZ?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,071, which applies unless the housing authority uses Small Area FMRs, that basic range is $964 to $1,178 a month; under the ZIP-level Small Area FMR of $1,550 it would be $1,395 to $1,705. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is Concho, AZ in?

Concho, AZ is in the Apache County, AZ non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,071.

How much did fair market rent change in Concho, AZ for FY 2027?

The two-bedroom FMR rose 1.3%, from $1,530 in FY 2026 to $1,550 in FY 2027. Since FY 2025 it has risen 4.0%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set