FL/Monroe County/KEY COLONY BEACH
KEY COLONY BEACH, FL
CitySAFMR
Monroe County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,540$1,690
1 BR$1,970$2,170
2 BR$2,230$2,450
3 BR$2,940$3,230
4 BR$3,010$3,310
5 BR$3,461
6 BR$3,981
7 BR$4,578
8 BR$5,265

Purchase Price Calculator

Maximum purchase price
$302,153

Cost breakdown

+Likely effective rent$2,450
HUD FMR$2,230
Market rent$3,840
Est. payment standard (110%)Used$2,450
Estimated payment standard is $2,450 (110% of FMR).
-Principal and interest-$1,528
Loan amount$241,722
Down payment$60,431
Rate6.50%
Term30 years
-Operating costs-$722
Property taxes-$302
Insurance-$175
Utilities$0
HOA$0
Management-$245
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$39,093(64.7% ROI)
Projected value
$325,385
Current value$302,153
Return breakdown
Property appreciation+$23,233
Loan principal paid down+$8,660
Rental cash flow+$7,200
5-year hold
+$67,149(111.1% ROI)
Projected value
$341,858
Current value$302,153
Return breakdown
Property appreciation+$39,705
Loan principal paid down+$15,444
Rental cash flow+$12,000
10-year hold
+$145,428(240.7% ROI)
Projected value
$386,781
Current value$302,153
Return breakdown
Property appreciation+$84,628
Loan principal paid down+$36,799
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- 33051
0.53ratio
FMR$1,540
Market$2,890
vs market-$1,350

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

0.53
1 BR
1 BR- 33051
0.64ratio
FMR$1,970
Market$3,100
vs market-$1,130

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

90% standard$1,773 / 0.57 ratio110% standard$2,167 / 0.70 ratio
0.64
2 BR
2 BR- 33051
0.58ratio
FMR$2,230
Market$3,840
vs market-$1,610

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

90% standard$2,007 / 0.52 ratio110% standard$2,453 / 0.64 ratio
0.58
3 BR
3 BR- 33051
0.65ratio
FMR$2,940
Market$4,530
vs market-$1,590

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

90% standard$2,646 / 0.58 ratio110% standard$3,234 / 0.71 ratio
0.65
4 BR
4 BR- 33051
0.64ratio
FMR$3,010
Market$4,740
vs market-$1,730

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

90% standard$2,709 / 0.57 ratio110% standard$3,311 / 0.70 ratio
0.64
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 KEY COLONY BEACH, FL (FL) 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

KEY COLONY BEACH, FL fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for KEY COLONY BEACH, FL shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,230 and the 4 bedroom fair market rent is $3,010.

Use this page for searches like KEY COLONY BEACH, FL FMR, KEY COLONY BEACH, FL fair market rent, and KEY COLONY BEACH, FL 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 KEY COLONY BEACH, FL
Bedroom sizeHUD FMR
Studio$1,540
1 bedroom$1,970
2 bedroom$2,230
3 bedroom$2,940
4 bedroom$3,010