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KY/Pike County/Fords Branch

Fords Branch, KY

CitySAFMR
Pike County
Found 1 ZIP
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City Median Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$770$850
1 BR$840$920
2 BR$1,100$1,180
3 BR$1,310$1,390
4 BR$1,820$1,460
5 BR$2,093Not available
6 BR$2,407Not available
7 BR$2,768Not available
8 BR$3,183Not available

Purchase Price Calculator

Maximum purchase price
$113,431

Cost breakdown

+Likely effective rent$1,180
HUD FMR$1,100
Market rent$1,230
Est. payment standard (108%)Used$1,180
-Principal and interest-$574
Loan amount$90,745
Down payment$22,686
Rate6.50%
Term30 years
-Operating costs-$406
Property taxes-$113
Insurance-$175
Utilities$0
HOA$0
Management-$118
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$19,173(84.5% ROI)
Projected value
$122,153
Return breakdown
Property appreciation+$8,722
Loan principal paid down+$3,251
Rental cash flow+$7,200
5-year hold
+$32,703(144.2% ROI)
Projected value
$128,337
Return breakdown
Property appreciation+$14,906
Loan principal paid down+$5,798
Rental cash flow+$12,000
10-year hold
+$69,585(306.7% ROI)
Projected value
$145,201
Return breakdown
Property appreciation+$31,770
Loan principal paid down+$13,815
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.68
1 BR
0.71
2 BR
0.89
3 BR
0.92
4 BR
1.25
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
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Tax rate
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Mortgage rate
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Fords Branch, KY fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Fords Branch, KY is $1,100 a month. That is up 12.2% from $980 in FY 2026. Fords Branch is in the Pike County, KY 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 $1,095. The median county two-bedroom FMR in Kentucky is $925, so Fords Branch is 19% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Fords Branch, KY
BedroomsFY 2027Change90–110% range
Studio$770+10.0%$693–$847
1BR$840+12.0%$756–$924
2BR$1,100+12.2%$990–$1,210
3BR$1,310+11.0%$1,179–$1,441
4BR$1,820+16.7%$1,638–$2,002

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Fords Branch, KY
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$770$840$1,100$1,310$1,820
FY 2026$700$750$980$1,180$1,560
FY 2025$740$810$1,030$1,240$1,500
FY 2024area FMR$660$784$911$1,102$1,324
FY 2023area FMR$560$684$772$940$1,155

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

Questions about Fords Branch, KY rents

How much will Section 8 pay for a two-bedroom in Fords Branch, KY?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,095, which applies unless the housing authority uses Small Area FMRs, that basic range is $986 to $1,205 a month; under the ZIP-level Small Area FMR of $1,100 it would be $990 to $1,210. 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 Fords Branch, KY in?

Fords Branch, KY is in the Pike County, KY non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,095.

How much did fair market rent change in Fords Branch, KY for FY 2027?

The two-bedroom FMR rose 12.2%, from $980 in FY 2026 to $1,100 in FY 2027. Since FY 2025 it has risen 6.8%.

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