COTTONDALE, AL
CitySAFMR
Tuscaloosa County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$920$1,010
1 BR$920$1,010
2 BR$1,110$1,220
3 BR$1,410$1,490
4 BR$1,470$1,620
5 BR$1,690
6 BR$1,944
7 BR$2,236
8 BR$2,571

Purchase Price Calculator

Maximum purchase price
$119,375

Cost breakdown

+Likely effective rent$1,220
HUD FMR$1,110
Market rent$1,440
Est. payment standard (110%)Used$1,220
Estimated payment standard is $1,220 (110% of FMR).
-Principal and interest-$604
Loan amount$95,500
Down payment$23,875
Rate6.50%
Term30 years
-Operating costs-$416
Property taxes-$119
Insurance-$175
Utilities$0
HOA$0
Management-$122
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$19,800(82.9% ROI)
Projected value
$128,554
Current value$119,375
Return breakdown
Property appreciation+$9,179
Loan principal paid down+$3,422
Rental cash flow+$7,200
5-year hold
+$33,788(141.5% ROI)
Projected value
$135,062
Current value$119,375
Return breakdown
Property appreciation+$15,687
Loan principal paid down+$6,102
Rental cash flow+$12,000
10-year hold
+$71,974(301.5% ROI)
Projected value
$152,810
Current value$119,375
Return breakdown
Property appreciation+$33,435
Loan principal paid down+$14,539
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- 35453
0.68ratio
FMR$920
Market$1,360
vs market-$440

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

90% standard$828 / 0.61 ratio110% standard$1,012 / 0.74 ratio
0.68
1 BR
1 BR- 35453
0.64ratio
FMR$920
Market$1,440
vs market-$520

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

90% standard$828 / 0.57 ratio110% standard$1,012 / 0.70 ratio
0.64
2 BR
2 BR- 35453
0.77ratio
FMR$1,110
Market$1,440
vs market-$330

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

90% standard$999 / 0.69 ratio110% standard$1,221 / 0.85 ratio
0.77
3 BR
3 BR- 35453
0.92ratio
FMR$1,410
Market$1,540
vs market-$130

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

90% standard$1,269 / 0.82 ratio110% standard$1,551 / 1.01 ratio
0.92
4 BR
4 BR- 35453
0.84ratio
FMR$1,470
Market$1,750
vs market-$280

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

90% standard$1,323 / 0.76 ratio110% standard$1,617 / 0.92 ratio
0.84
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 COTTONDALE, AL (AL) 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

COTTONDALE, AL fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for COTTONDALE, AL shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,110 and the 4 bedroom fair market rent is $1,470.

Use this page for searches like COTTONDALE, AL FMR, COTTONDALE, AL fair market rent, and COTTONDALE, AL 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 COTTONDALE, AL
Bedroom sizeHUD FMR
Studio$920
1 bedroom$920
2 bedroom$1,110
3 bedroom$1,410
4 bedroom$1,470