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Ruffin, SC

CitySAFMR
Colleton County
Found 1 ZIP

City Median Investment Score

114Above average

095130300
BRFMR
Eff. Rent
0 BR$690$690
1 BR$730$730
2 BR$940$940
3 BR$1,130$1,130
4 BR$1,360$1,360
5 BR$1,564Not available
6 BR$1,799Not available
7 BR$2,068Not available
8 BR$2,379Not available

Purchase Price Calculator

Maximum purchase price
$77,767

Cost breakdown

+Likely effective rent$940
HUD FMRUsed$940
Market rentN/A
Est. payment standardN/A
-Principal and interest-$393
Loan amount$62,214
Down payment$15,553
Rate6.50%
Term30 years
-Operating costs-$347
Property taxes-$78
Insurance-$175
Utilities$0
HOA$0
Management-$94
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$15,409(99.1% ROI)
Projected value
$83,747
Return breakdown
Property appreciation+$5,980
Loan principal paid down+$2,229
Rental cash flow+$7,200
5-year hold
+$26,194(168.4% ROI)
Projected value
$87,986
Return breakdown
Property appreciation+$10,219
Loan principal paid down+$3,975
Rental cash flow+$12,000
10-year hold
+$55,253(355.2% ROI)
Projected value
$99,548
Return breakdown
Property appreciation+$21,781
Loan principal paid down+$9,471
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
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Mortgage rate
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Ruffin, SC fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Ruffin, SC is $940 a month. That is unchanged from FY 2026. Ruffin is in the Colleton County, SC non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $913. The median county two-bedroom FMR in South Carolina is $1,098, so Ruffin is 14% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Ruffin, SC
BedroomsFY 2027Change90–110% range
Studio$690−4.2%$621–$759
1BR$730−1.4%$657–$803
2BR$9400.0%$846–$1,034
3BR$1,130−0.9%$1,017–$1,243
4BR$1,360−9.9%$1,224–$1,496

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Ruffin, SC
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$690$730$940$1,130$1,360
FY 2026$720$740$940$1,140$1,510
FY 2025$760$820$1,000$1,220$1,670
FY 2024area FMR$720$756$905$1,094$1,457
FY 2023area FMR$648$695$785$957$1,146

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Questions about Ruffin, SC rents

How much will Section 8 pay for a two-bedroom in Ruffin, SC?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $913, which applies unless the housing authority uses Small Area FMRs, that basic range is $822 to $1,004 a month; under the ZIP-level Small Area FMR of $940 it would be $846 to $1,034. 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 Ruffin, SC in?

Ruffin, SC is in the Colleton County, SC non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $913.

How much did fair market rent change in Ruffin, SC for FY 2027?

The two-bedroom FMR was unchanged at $940 in FY 2027. Since FY 2025 it has fallen 6.0%.

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