TN/Hawkins County/MOUNT CARMEL
MOUNT CARMEL, TN
CitySAFMR
Hawkins County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$680$750
1 BR$770$850
2 BR$980$1,080
3 BR$1,260$1,390
4 BR$1,390$1,530
5 BR$1,598
6 BR$1,838
7 BR$2,114
8 BR$2,431

Purchase Price Calculator

Maximum purchase price
$98,571

Cost breakdown

+Likely effective rent$1,080
HUD FMR$980
Market rent$1,250
Est. payment standard (110%)Used$1,080
Estimated payment standard is $1,080 (110% of FMR).
-Principal and interest-$498
Loan amount$78,857
Down payment$19,714
Rate6.50%
Term30 years
-Operating costs-$382
Property taxes-$99
Insurance-$175
Utilities$0
HOA$0
Management-$108
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$17,604(89.3% ROI)
Projected value
$106,150
Current value$98,571
Return breakdown
Property appreciation+$7,579
Loan principal paid down+$2,825
Rental cash flow+$7,200
5-year hold
+$29,991(152.1% ROI)
Projected value
$111,524
Current value$98,571
Return breakdown
Property appreciation+$12,953
Loan principal paid down+$5,038
Rental cash flow+$12,000
10-year hold
+$63,613(322.7% ROI)
Projected value
$126,179
Current value$98,571
Return breakdown
Property appreciation+$27,608
Loan principal paid down+$12,005
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- 37645
0.69ratio
FMR$680
Market$980
vs market-$300

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

90% standard$612 / 0.62 ratio110% standard$748 / 0.76 ratio
0.69
1 BR
1 BR- 37645
0.70ratio
FMR$770
Market$1,100
vs market-$330

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

90% standard$693 / 0.63 ratio110% standard$847 / 0.77 ratio
0.70
2 BR
2 BR- 37645
0.78ratio
FMR$980
Market$1,250
vs market-$270

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

90% standard$882 / 0.71 ratio110% standard$1,078 / 0.86 ratio
0.78
3 BR
3 BR- 37645
0.69ratio
FMR$1,260
Market$1,820
vs market-$560

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

90% standard$1,134 / 0.62 ratio110% standard$1,386 / 0.76 ratio
0.69
4 BR
4 BR- 37645
0.72ratio
FMR$1,390
Market$1,930
vs market-$540

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

90% standard$1,251 / 0.65 ratio110% standard$1,529 / 0.79 ratio
0.72
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 MOUNT CARMEL, TN (TN) 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

MOUNT CARMEL, TN fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for MOUNT CARMEL, TN shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $980 and the 4 bedroom fair market rent is $1,390.

Use this page for searches like MOUNT CARMEL, TN FMR, MOUNT CARMEL, TN fair market rent, and MOUNT CARMEL, TN 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 MOUNT CARMEL, TN
Bedroom sizeHUD FMR
Studio$680
1 bedroom$770
2 bedroom$980
3 bedroom$1,260
4 bedroom$1,390