GERTON, NC
CitySAFMR
Henderson County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,170$1,290
1 BR$1,260$1,390
2 BR$1,380$1,520
3 BR$1,760$1,940
4 BR$2,320$2,550
5 BR$2,668
6 BR$3,068
7 BR$3,528
8 BR$4,058

Purchase Price Calculator

Maximum purchase price
$163,955

Cost breakdown

+Likely effective rent$1,520
HUD FMR$1,380
Market rent$2,120
Est. payment standard (110%)Used$1,520
Estimated payment standard is $1,520 (110% of FMR).
-Principal and interest-$829
Loan amount$131,164
Down payment$32,791
Rate6.50%
Term30 years
-Operating costs-$491
Property taxes-$164
Insurance-$175
Utilities$0
HOA$0
Management-$152
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,506(74.7% ROI)
Projected value
$176,561
Current value$163,955
Return breakdown
Property appreciation+$12,607
Loan principal paid down+$4,699
Rental cash flow+$7,200
5-year hold
+$41,925(127.9% ROI)
Projected value
$185,500
Current value$163,955
Return breakdown
Property appreciation+$21,545
Loan principal paid down+$8,380
Rental cash flow+$12,000
10-year hold
+$89,889(274.1% ROI)
Projected value
$209,876
Current value$163,955
Return breakdown
Property appreciation+$45,921
Loan principal paid down+$19,968
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio- 28735
0.55ratio
FMR$1,170
Market$2,130
vs market-$960

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

90% standard$1,053 / 0.49 ratio110% standard$1,287 / 0.60 ratio
0.55
1 BR
1 BR- 28735
0.64ratio
FMR$1,260
Market$1,970
vs market-$710

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

90% standard$1,134 / 0.58 ratio110% standard$1,386 / 0.70 ratio
0.64
2 BR
2 BR- 28735
0.65ratio
FMR$1,380
Market$2,120
vs market-$740

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

90% standard$1,242 / 0.59 ratio110% standard$1,518 / 0.72 ratio
0.65
3 BR
3 BR- 28735
0.76ratio
FMR$1,760
Market$2,330
vs market-$570

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

90% standard$1,584 / 0.68 ratio110% standard$1,936 / 0.83 ratio
0.76
4 BR
4 BR- 28735
0.84ratio
FMR$2,320
Market$2,760
vs market-$440

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

90% standard$2,088 / 0.76 ratio110% standard$2,552 / 0.92 ratio
0.84
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom 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 GERTON, NC (NC) 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

GERTON, NC fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for GERTON, NC shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,380 and the 4 bedroom fair market rent is $2,320.

Use this page for searches like GERTON, NC FMR, GERTON, NC fair market rent, and GERTON, NC 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 GERTON, NC
Bedroom sizeHUD FMR
Studio$1,170
1 bedroom$1,260
2 bedroom$1,380
3 bedroom$1,760
4 bedroom$2,320