FL/Lee County/SAINT JAMES CITY
SAINT JAMES CITY, FL
CitySAFMR
Lee County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$2,440$1,820
1 BR$2,460$1,570
2 BR$2,940$2,830
3 BR$3,840$2,550
4 BR$4,250$4,350
5 BR$4,888
6 BR$5,621
7 BR$6,464
8 BR$7,433

Purchase Price Calculator

Maximum purchase price
$358,620

Cost breakdown

+Likely effective rent$2,830
HUD FMR$2,940
Market rentUsed$2,830
Est. payment standard (98%)$2,870
Market rent is below the inferred standard ($2,870, 98% of FMR).
-Principal and interest-$1,813
Loan amount$286,896
Down payment$71,724
Rate6.50%
Term30 years
-Operating costs-$817
Property taxes-$359
Insurance-$175
Utilities$0
HOA$0
Management-$283
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$45,053(62.8% ROI)
Projected value
$386,195
Current value$358,620
Return breakdown
Property appreciation+$27,575
Loan principal paid down+$10,279
Rental cash flow+$7,200
5-year hold
+$77,456(108.0% ROI)
Projected value
$405,746
Current value$358,620
Return breakdown
Property appreciation+$47,126
Loan principal paid down+$18,330
Rental cash flow+$12,000
10-year hold
+$168,121(234.4% ROI)
Projected value
$459,064
Current value$358,620
Return breakdown
Property appreciation+$100,444
Loan principal paid down+$43,677
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- 33956
1.34ratio
FMR$2,440
Market$1,820
vs market+$620

FMR is above market; underwrite to market rent.

90% standard$2,196 / 1.21 ratio110% standard$2,684 / 1.47 ratio
1.34
1 BR
1 BR- 33956
1.57ratio
FMR$2,460
Market$1,570
vs market+$890

FMR is above market; underwrite to market rent.

1.57
2 BR
2 BR- 33956
1.04ratio
FMR$2,940
Market$2,830
vs market+$110

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

90% standard$2,646 / 0.93 ratio110% standard$3,234 / 1.14 ratio
1.04
3 BR
3 BR- 33956
1.51ratio
FMR$3,840
Market$2,550
vs market+$1,290

FMR is above market; underwrite to market rent.

90% standard$3,456 / 1.36 ratio110% standard$4,224 / 1.66 ratio
1.51
4 BR
4 BR- 33956
0.97ratio
FMR$4,250
Market$4,400
vs market-$150

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

90% standard$3,825 / 0.87 ratio110% standard$4,675 / 1.06 ratio
0.97
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 SAINT JAMES CITY, 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

SAINT JAMES CITY, FL fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for SAINT JAMES CITY, FL shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,940 and the 4 bedroom fair market rent is $4,250.

Use this page for searches like SAINT JAMES CITY, FL FMR, SAINT JAMES CITY, FL fair market rent, and SAINT JAMES CITY, 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 SAINT JAMES CITY, FL
Bedroom sizeHUD FMR
Studio$2,440
1 bedroom$2,460
2 bedroom$2,940
3 bedroom$3,840
4 bedroom$4,250