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Osprey, FL

CitySAFMR
Sarasota County
Found 1 ZIP

City Median Investment Score

55Below average

095130300
BRFMR
Eff. Rent
0 BR$1,900$1,800
1 BR$2,040$1,780
2 BR$2,380$2,350
3 BR$3,020$3,020
4 BR$3,600$3,930
5 BR$4,140Not available
6 BR$4,761Not available
7 BR$5,475Not available
8 BR$6,296Not available

Purchase Price Calculator

Maximum purchase price
$287,293

Cost breakdown

+Likely effective rent$2,350
HUD FMR$2,380
Market rentUsed$2,350
Est. payment standard (99%)$2,360
-Principal and interest-$1,453
Loan amount$229,834
Down payment$57,459
Rate6.50%
Term30 years
-Operating costs-$697
Property taxes-$287
Insurance-$175
Utilities$0
HOA$0
Management-$235
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$37,525(65.3% ROI)
Projected value
$309,383
Return breakdown
Property appreciation+$22,090
Loan principal paid down+$8,234
Rental cash flow+$7,200
5-year hold
+$64,437(112.1% ROI)
Projected value
$325,045
Return breakdown
Property appreciation+$37,753
Loan principal paid down+$14,684
Rental cash flow+$12,000
10-year hold
+$139,456(242.7% ROI)
Projected value
$367,759
Return breakdown
Property appreciation+$80,466
Loan principal paid down+$34,990
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.06
1 BR
1.15
2 BR
1.01
3 BR
1.00
4 BR
0.88
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Osprey, FL fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Osprey, FL is $2,380 a month. That is up 3.9% from $2,290 in FY 2026. Osprey is in the North Port-Bradenton-Sarasota, FL MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. The median county two-bedroom FMR in Florida is $1,474, so Osprey is 61% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Osprey, FL
BedroomsFY 2027Change90–110% range
Studio$1,900+14.5%$1,710–$2,090
1BR$2,040+3.6%$1,836–$2,244
2BR$2,380+3.9%$2,142–$2,618
3BR$3,020+1.7%$2,718–$3,322
4BR$3,600+1.7%$3,240–$3,960

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Osprey, FL
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,900$2,040$2,380$3,020$3,600
FY 2026$1,660$1,970$2,290$2,970$3,540
FY 2025$1,470$1,840$2,150$2,820$3,380
FY 2024$1,150$1,410$1,700$2,260$2,690
FY 2023$1,080$1,290$1,610$2,130$2,540

Questions about Osprey, FL rents

How much will Section 8 pay for a two-bedroom in Osprey, FL?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,380, that basic range is $2,142 to $2,618 a month. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is Osprey, FL in?

Osprey, FL is in the North Port-Bradenton-Sarasota, FL MSA. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in Osprey, FL for FY 2027?

The two-bedroom FMR rose 3.9%, from $2,290 in FY 2026 to $2,380 in FY 2027. Since FY 2023 it has risen 47.8%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set