RUBY, VA
CitySAFMR
Stafford County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,840$2,020
1 BR$1,900$2,090
2 BR$2,120$2,310
3 BR$2,680$2,690
4 BR$3,150$3,180
5 BR$3,622
6 BR$4,166
7 BR$4,791
8 BR$5,509

Purchase Price Calculator

Maximum purchase price
$281,349

Cost breakdown

+Likely effective rent$2,310
HUD FMR$2,120
Market rent$2,410
Est. payment standard (109%)Used$2,310
Estimated payment standard is $2,310 (109% of FMR).
-Principal and interest-$1,423
Loan amount$225,079
Down payment$56,270
Rate6.50%
Term30 years
-Operating costs-$687
Property taxes-$281
Insurance-$175
Utilities$0
HOA$0
Management-$231
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$36,897(65.6% ROI)
Projected value
$302,982
Current value$281,349
Return breakdown
Property appreciation+$21,633
Loan principal paid down+$8,064
Rental cash flow+$7,200
5-year hold
+$63,352(112.6% ROI)
Projected value
$318,320
Current value$281,349
Return breakdown
Property appreciation+$36,972
Loan principal paid down+$14,380
Rental cash flow+$12,000
10-year hold
+$137,067(243.6% ROI)
Projected value
$360,150
Current value$281,349
Return breakdown
Property appreciation+$78,801
Loan principal paid down+$34,266
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- 22545
0.78ratio
FMR$1,840
Market$2,370
vs market-$530

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

90% standard$1,656 / 0.70 ratio110% standard$2,024 / 0.85 ratio
0.78
1 BR
1 BR- 22545
0.84ratio
FMR$1,900
Market$2,270
vs market-$370

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

90% standard$1,710 / 0.75 ratio110% standard$2,090 / 0.92 ratio
0.84
2 BR
2 BR- 22545
0.88ratio
FMR$2,120
Market$2,410
vs market-$290

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

90% standard$1,908 / 0.79 ratio110% standard$2,332 / 0.97 ratio
0.88
3 BR
3 BR- 22545
0.99ratio
FMR$2,680
Market$2,700
vs market-$20

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

90% standard$2,412 / 0.89 ratio110% standard$2,948 / 1.09 ratio
0.99
4 BR
4 BR- 22545
0.98ratio
FMR$3,150
Market$3,200
vs market-$50

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

90% standard$2,835 / 0.89 ratio110% standard$3,465 / 1.08 ratio
0.98
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 RUBY, VA (VA) 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

RUBY, VA fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for RUBY, VA shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,120 and the 4 bedroom fair market rent is $3,150.

Use this page for searches like RUBY, VA FMR, RUBY, VA fair market rent, and RUBY, VA 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 RUBY, VA
Bedroom sizeHUD FMR
Studio$1,840
1 bedroom$1,900
2 bedroom$2,120
3 bedroom$2,680
4 bedroom$3,150