OSPREY, FL
CitySAFMR
Sarasota County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,660$1,750
1 BR$1,970$1,780
2 BR$2,290$2,330
3 BR$2,970$3,000
4 BR$3,540$3,890
5 BR$4,071
6 BR$4,682
7 BR$5,384
8 BR$6,191

Purchase Price Calculator

Maximum purchase price
$284,321

Cost breakdown

+Likely effective rent$2,330
HUD FMR$2,290
Market rent$2,350
Est. payment standard (102%)Used$2,330
Estimated payment standard is $2,330 (102% of FMR).
-Principal and interest-$1,438
Loan amount$227,456
Down payment$56,864
Rate6.50%
Term30 years
-Operating costs-$692
Property taxes-$284
Insurance-$175
Utilities$0
HOA$0
Management-$233
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$37,211(65.4% ROI)
Projected value
$306,182
Current value$284,321
Return breakdown
Property appreciation+$21,862
Loan principal paid down+$8,149
Rental cash flow+$7,200
5-year hold
+$63,894(112.4% ROI)
Projected value
$321,683
Current value$284,321
Return breakdown
Property appreciation+$37,362
Loan principal paid down+$14,532
Rental cash flow+$12,000
10-year hold
+$138,261(243.1% ROI)
Projected value
$363,954
Current value$284,321
Return breakdown
Property appreciation+$79,634
Loan principal paid down+$34,628
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- 34229
0.92ratio
FMR$1,660
Market$1,800
vs market-$140

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

90% standard$1,494 / 0.83 ratio110% standard$1,826 / 1.01 ratio
0.92
1 BR
1 BR- 34229
1.11ratio
FMR$1,970
Market$1,780
vs market+$190

FMR is above market; underwrite to market rent.

90% standard$1,773 / 1.00 ratio110% standard$2,167 / 1.22 ratio
1.11
2 BR
2 BR- 34229
0.97ratio
FMR$2,290
Market$2,350
vs market-$60

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

90% standard$2,061 / 0.88 ratio110% standard$2,519 / 1.07 ratio
0.97
3 BR
3 BR- 34229
0.98ratio
FMR$2,970
Market$3,020
vs market-$50

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

90% standard$2,673 / 0.89 ratio110% standard$3,267 / 1.08 ratio
0.98
4 BR
4 BR- 34229
0.86ratio
FMR$3,540
Market$4,110
vs market-$570

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

90% standard$3,186 / 0.78 ratio110% standard$3,894 / 0.95 ratio
0.86
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 OSPREY, 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

OSPREY, FL fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for OSPREY, FL shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,290 and the 4 bedroom fair market rent is $3,540.

Use this page for searches like OSPREY, FL FMR, OSPREY, FL fair market rent, and OSPREY, 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 OSPREY, FL
Bedroom sizeHUD FMR
Studio$1,660
1 bedroom$1,970
2 bedroom$2,290
3 bedroom$2,970
4 bedroom$3,540