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NE/Howard County/Saint Libory

Saint Libory, NE

CitySAFMR
Howard County
Found 1 ZIP

City Median Investment Score

65Below average

095130300
BRFMR
Eff. Rent
0 BR$980$980
1 BR$1,170$1,170
2 BR$1,320$1,320
3 BR$1,660$1,660
4 BR$2,190$2,190
5 BR$2,519Not available
6 BR$2,896Not available
7 BR$3,331Not available
8 BR$3,830Not available

Purchase Price Calculator

Maximum purchase price
$134,235

Cost breakdown

+Likely effective rent$1,320
HUD FMRUsed$1,320
Market rentN/A
Est. payment standardN/A
-Principal and interest-$679
Loan amount$107,388
Down payment$26,847
Rate6.50%
Term30 years
-Operating costs-$441
Property taxes-$134
Insurance-$175
Utilities$0
HOA$0
Management-$132
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,369(79.6% ROI)
Projected value
$144,556
Return breakdown
Property appreciation+$10,321
Loan principal paid down+$3,847
Rental cash flow+$7,200
5-year hold
+$36,501(136.0% ROI)
Projected value
$151,875
Return breakdown
Property appreciation+$17,640
Loan principal paid down+$6,861
Rental cash flow+$12,000
10-year hold
+$77,946(290.3% ROI)
Projected value
$171,832
Return breakdown
Property appreciation+$37,597
Loan principal paid down+$16,349
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
--
Mortgage rate
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Saint Libory, NE fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Saint Libory, NE is $1,320 a month. That is up 3.9% from $1,270 in FY 2026. Saint Libory is in the Howard County, NE HUD Metro 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 metro-wide two-bedroom FMR of $1,014. The median county two-bedroom FMR in Nebraska is $1,014, so Saint Libory is 30% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Saint Libory, NE
BedroomsFY 2027Change90–110% range
Studio$980+7.7%$882–$1,078
1BR$1,170+7.3%$1,053–$1,287
2BR$1,320+3.9%$1,188–$1,452
3BR$1,660+7.1%$1,494–$1,826
4BR$2,190+25.9%$1,971–$2,409

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Saint Libory, NE
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$980$1,170$1,320$1,660$2,190
FY 2026$910$1,090$1,270$1,550$1,740
FY 2025$840$1,010$1,220$1,480$1,670
FY 2024$760$830$1,090$1,330$1,470
FY 2023$710$770$1,020$1,260$1,370

Questions about Saint Libory, NE rents

How much will Section 8 pay for a two-bedroom in Saint Libory, NE?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,014, which applies unless the housing authority uses Small Area FMRs, that basic range is $913 to $1,115 a month; under the ZIP-level Small Area FMR of $1,320 it would be $1,188 to $1,452. 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 Saint Libory, NE in?

Saint Libory, NE is in the Howard County, NE HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,014.

How much did fair market rent change in Saint Libory, NE for FY 2027?

The two-bedroom FMR rose 3.9%, from $1,270 in FY 2026 to $1,320 in FY 2027. Since FY 2023 it has risen 29.4%.

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