KY/Todd County/PEMBROKE
PEMBROKE, KY
CitySAFMR
Todd County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$890$620
1 BR$890$640
2 BR$1,110$690
3 BR$1,550$720
4 BR$1,860$760
5 BR$2,139
6 BR$2,460
7 BR$2,829
8 BR$3,253

Purchase Price Calculator

Maximum purchase price
$40,617

Cost breakdown

+Likely effective rent$690
HUD FMR$1,110
Market rentUsed$690
Est. payment standard (90%)$1,000
Market rent is below the inferred standard ($1,000, 90% of FMR).
-Principal and interest-$205
Loan amount$32,494
Down payment$8,123
Rate6.50%
Term30 years
-Operating costs-$285
Property taxes-$41
Insurance-$175
Utilities$0
HOA$0
Management-$69
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$11,487(141.4% ROI)
Projected value
$43,740
Current value$40,617
Return breakdown
Property appreciation+$3,123
Loan principal paid down+$1,164
Rental cash flow+$7,200
5-year hold
+$19,413(239.0% ROI)
Projected value
$45,955
Current value$40,617
Return breakdown
Property appreciation+$5,337
Loan principal paid down+$2,076
Rental cash flow+$12,000
10-year hold
+$40,323(496.4% ROI)
Projected value
$51,993
Current value$40,617
Return breakdown
Property appreciation+$11,376
Loan principal paid down+$4,947
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- 42266
1.44ratio
FMR$890
Market$620
vs market+$270

FMR is above market; underwrite to market rent.

90% standard$801 / 1.29 ratio110% standard$979 / 1.58 ratio
1.44
1 BR
1 BR- 42266
1.39ratio
FMR$890
Market$640
vs market+$250

FMR is above market; underwrite to market rent.

90% standard$801 / 1.25 ratio110% standard$979 / 1.53 ratio
1.39
2 BR
2 BR- 42266
1.61ratio
FMR$1,110
Market$690
vs market+$420

FMR is above market; underwrite to market rent.

1.61
3 BR
3 BR- 42266
2.15ratio
FMR$1,550
Market$720
vs market+$830

FMR is above market; underwrite to market rent.

2.15
4 BR
4 BR- 42266
2.45ratio
FMR$1,860
Market$760
vs market+$1,100

FMR is above market; underwrite to market rent.

2.45
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across 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 PEMBROKE, KY (KY) 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

PEMBROKE, KY fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for PEMBROKE, KY shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,110 and the 4 bedroom fair market rent is $1,860.

Use this page for searches like PEMBROKE, KY FMR, PEMBROKE, KY fair market rent, and PEMBROKE, KY 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 PEMBROKE, KY
Bedroom sizeHUD FMR
Studio$890
1 bedroom$890
2 bedroom$1,110
3 bedroom$1,550
4 bedroom$1,860