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Hardwick, GA

CitySAFMR
Baldwin County
Found 1 ZIP
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City Median Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$800$800
1 BR$880$910
2 BR$1,110$1,120
3 BR$1,330$1,410
4 BR$1,460$1,610
5 BR$1,679Not available
6 BR$1,931Not available
7 BR$2,220Not available
8 BR$2,554Not available

Purchase Price Calculator

Maximum purchase price
$104,515

Cost breakdown

+Likely effective rent$1,120
HUD FMR$1,110
Market rent$1,130
Est. payment standard (101%)Used$1,120
-Principal and interest-$528
Loan amount$83,612
Down payment$20,903
Rate6.50%
Term30 years
-Operating costs-$392
Property taxes-$105
Insurance-$175
Utilities$0
HOA$0
Management-$112
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$18,232(87.2% ROI)
Projected value
$112,551
Return breakdown
Property appreciation+$8,036
Loan principal paid down+$2,996
Rental cash flow+$7,200
5-year hold
+$31,076(148.7% ROI)
Projected value
$118,249
Return breakdown
Property appreciation+$13,734
Loan principal paid down+$5,342
Rental cash flow+$12,000
10-year hold
+$66,002(315.8% ROI)
Projected value
$133,788
Return breakdown
Property appreciation+$29,273
Loan principal paid down+$12,729
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.00
1 BR
0.96
2 BR
0.98
3 BR
0.91
4 BR
0.84
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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Hardwick, GA fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Hardwick, GA is $1,110 a month. That is up 2.8% from $1,080 in FY 2026. Hardwick is in the Baldwin County, GA 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 $1,104. The median county two-bedroom FMR in Georgia is $1,058, so Hardwick is 5% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Hardwick, GA
BedroomsFY 2027Change90–110% range
Studio$800+1.3%$720–$880
1BR$880−2.2%$792–$968
2BR$1,110+2.8%$999–$1,221
3BR$1,330+2.3%$1,197–$1,463
4BR$1,460−2.0%$1,314–$1,606

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Hardwick, GA
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$800$880$1,110$1,330$1,460
FY 2026$790$900$1,080$1,300$1,490
FY 2025$730$840$960$1,160$1,500
FY 2024area FMR$762$838$941$1,138$1,566
FY 2023area FMR$658$719$812$997$1,315

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

Questions about Hardwick, GA rents

How much will Section 8 pay for a two-bedroom in Hardwick, GA?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,104, which applies unless the housing authority uses Small Area FMRs, that basic range is $994 to $1,214 a month; under the ZIP-level Small Area FMR of $1,110 it would be $999 to $1,221. 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 Hardwick, GA in?

Hardwick, GA is in the Baldwin County, GA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,104.

How much did fair market rent change in Hardwick, GA for FY 2027?

The two-bedroom FMR rose 2.8%, from $1,080 in FY 2026 to $1,110 in FY 2027. Since FY 2025 it has risen 15.6%.

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