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Dunlap, TN

CitySAFMR
Hamilton County
Found 1 ZIP

City Median Investment Score

62Below average

095130300
BRFMR
Eff. Rent
0 BR$870$870
1 BR$900$900
2 BR$1,000$1,000
3 BR$1,230$1,230
4 BR$1,320$1,320
5 BR$1,518Not available
6 BR$1,746Not available
7 BR$2,008Not available
8 BR$2,309Not available

Purchase Price Calculator

Maximum purchase price
$86,683

Cost breakdown

+Likely effective rent$1,000
HUD FMRUsed$1,000
Market rentN/A
Est. payment standardN/A
-Principal and interest-$438
Loan amount$69,346
Down payment$17,337
Rate6.50%
Term30 years
-Operating costs-$362
Property taxes-$87
Insurance-$175
Utilities$0
HOA$0
Management-$100
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,350(94.3% ROI)
Projected value
$93,348
Return breakdown
Property appreciation+$6,665
Loan principal paid down+$2,485
Rental cash flow+$7,200
5-year hold
+$27,821(160.5% ROI)
Projected value
$98,074
Return breakdown
Property appreciation+$11,391
Loan principal paid down+$4,431
Rental cash flow+$12,000
10-year hold
+$58,836(339.4% ROI)
Projected value
$110,962
Return breakdown
Property appreciation+$24,279
Loan principal paid down+$10,557
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
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Tax rate
--
Mortgage rate
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Dunlap, TN fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Dunlap, TN is $1,000 a month. That is down 7.4% from $1,080 in FY 2026. Dunlap is in the Chattanooga, TN-GA MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. The median county two-bedroom FMR in Tennessee is $1,048, so Dunlap is 5% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Dunlap, TN
BedroomsFY 2027Change90–110% range
Studio$870−6.5%$783–$957
1BR$900−7.2%$810–$990
2BR$1,000−7.4%$900–$1,100
3BR$1,230−8.2%$1,107–$1,353
4BR$1,320−9.0%$1,188–$1,452

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Dunlap, TN
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$870$900$1,000$1,230$1,320
FY 2026$930$970$1,080$1,340$1,450
FY 2025$990$1,030$1,150$1,450$1,580
FY 2024$880$900$1,020$1,300$1,480
FY 2023$750$760$880$1,130$1,340

Questions about Dunlap, TN rents

How much will Section 8 pay for a two-bedroom in Dunlap, TN?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,000, that basic range is $900 to $1,100 a month. 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 Dunlap, TN in?

Dunlap, TN is in the Chattanooga, TN-GA MSA. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in Dunlap, TN for FY 2027?

The two-bedroom FMR fell 7.4%, from $1,080 in FY 2026 to $1,000 in FY 2027. Since FY 2023 it has risen 13.6%.

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