FL/Monroe County/LONG KEY
LONG KEY, FL
CitySAFMR
Monroe County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,650$1,820
1 BR$2,110$2,320
2 BR$2,390$2,630
3 BR$3,150$3,470
4 BR$3,240$3,560
5 BR$3,726
6 BR$4,285
7 BR$4,928
8 BR$5,667

Purchase Price Calculator

Maximum purchase price
$328,900

Cost breakdown

+Likely effective rent$2,630
HUD FMR$2,390
Market rent$3,900
Est. payment standard (110%)Used$2,630
Estimated payment standard is $2,630 (110% of FMR).
-Principal and interest-$1,663
Loan amount$263,120
Down payment$65,780
Rate6.50%
Term30 years
-Operating costs-$767
Property taxes-$329
Insurance-$175
Utilities$0
HOA$0
Management-$263
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$41,916(63.7% ROI)
Projected value
$354,190
Current value$328,900
Return breakdown
Property appreciation+$25,289
Loan principal paid down+$9,427
Rental cash flow+$7,200
5-year hold
+$72,031(109.5% ROI)
Projected value
$372,121
Current value$328,900
Return breakdown
Property appreciation+$43,220
Loan principal paid down+$16,811
Rental cash flow+$12,000
10-year hold
+$156,177(237.4% ROI)
Projected value
$421,020
Current value$328,900
Return breakdown
Property appreciation+$92,120
Loan principal paid down+$40,057
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- 33001
0.47ratio
FMR$1,650
Market$3,500
vs market-$1,850

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

0.47
1 BR
1 BR- 33001
0.70ratio
FMR$2,110
Market$3,000
vs market-$890

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

90% standard$1,899 / 0.63 ratio110% standard$2,321 / 0.77 ratio
0.70
2 BR
2 BR- 33001
0.61ratio
FMR$2,390
Market$3,900
vs market-$1,510

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

90% standard$2,151 / 0.55 ratio110% standard$2,629 / 0.67 ratio
0.61
3 BR
3 BR- 33001
0.77ratio
FMR$3,150
Market$4,080
vs market-$930

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

90% standard$2,835 / 0.69 ratio110% standard$3,465 / 0.85 ratio
0.77
4 BR
4 BR- 33001
0.83ratio
FMR$3,240
Market$3,920
vs market-$680

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

90% standard$2,916 / 0.74 ratio110% standard$3,564 / 0.91 ratio
0.83
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 LONG KEY, 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

LONG KEY, FL fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for LONG KEY, FL shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,390 and the 4 bedroom fair market rent is $3,240.

Use this page for searches like LONG KEY, FL FMR, LONG KEY, FL fair market rent, and LONG KEY, 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 LONG KEY, FL
Bedroom sizeHUD FMR
Studio$1,650
1 bedroom$2,110
2 bedroom$2,390
3 bedroom$3,150
4 bedroom$3,240