SD/Union County/NORTH SIOUX CITY
NORTH SIOUX CITY, SD
CitySAFMR
Union County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$970$890
1 BR$1,120$1,040
2 BR$1,400$1,270
3 BR$1,680$1,640
4 BR$1,850$1,850
5 BR$2,128
6 BR$2,447
7 BR$2,814
8 BR$3,236

Purchase Price Calculator

Maximum purchase price
$126,805

Cost breakdown

+Likely effective rent$1,270
HUD FMR$1,400
Market rentUsed$1,270
Est. payment standard (94%)$1,320
Market rent is below the inferred standard ($1,320, 94% of FMR).
-Principal and interest-$641
Loan amount$101,444
Down payment$25,361
Rate6.50%
Term30 years
-Operating costs-$429
Property taxes-$127
Insurance-$175
Utilities$0
HOA$0
Management-$127
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,585(81.2% ROI)
Projected value
$136,555
Current value$126,805
Return breakdown
Property appreciation+$9,750
Loan principal paid down+$3,634
Rental cash flow+$7,200
5-year hold
+$35,144(138.6% ROI)
Projected value
$143,468
Current value$126,805
Return breakdown
Property appreciation+$16,663
Loan principal paid down+$6,481
Rental cash flow+$12,000
10-year hold
+$74,960(295.6% ROI)
Projected value
$162,321
Current value$126,805
Return breakdown
Property appreciation+$35,516
Loan principal paid down+$15,444
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- 57049
1.09ratio
FMR$970
Market$890
vs market+$80

FMR is near market; voucher and private rents are aligned.

90% standard$873 / 0.98 ratio110% standard$1,067 / 1.20 ratio
1.09
1 BR
1 BR- 57049
1.08ratio
FMR$1,120
Market$1,040
vs market+$80

FMR is near market; voucher and private rents are aligned.

90% standard$1,008 / 0.97 ratio110% standard$1,232 / 1.18 ratio
1.08
2 BR
2 BR- 57049
1.10ratio
FMR$1,400
Market$1,270
vs market+$130

FMR is above market; underwrite to market rent.

90% standard$1,260 / 0.99 ratio110% standard$1,540 / 1.21 ratio
1.10
3 BR
3 BR- 57049
1.02ratio
FMR$1,680
Market$1,640
vs market+$40

FMR is near market; voucher and private rents are aligned.

90% standard$1,512 / 0.92 ratio110% standard$1,848 / 1.13 ratio
1.02
4 BR
4 BR- 57049
1.00ratio
FMR$1,850
Market$1,850
vs market+$0

FMR is near market; voucher and private rents are aligned.

90% standard$1,665 / 0.90 ratio110% standard$2,035 / 1.10 ratio
1.00
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit 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 NORTH SIOUX CITY, SD (SD) 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

NORTH SIOUX CITY, SD fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for NORTH SIOUX CITY, SD shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,400 and the 4 bedroom fair market rent is $1,850.

Use this page for searches like NORTH SIOUX CITY, SD FMR, NORTH SIOUX CITY, SD fair market rent, and NORTH SIOUX CITY, SD 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 NORTH SIOUX CITY, SD
Bedroom sizeHUD FMR
Studio$970
1 bedroom$1,120
2 bedroom$1,400
3 bedroom$1,680
4 bedroom$1,850