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GA/Camden County/Saint Marys

Saint Marys, GA

CitySAFMR
Camden County
Found 1 ZIP

City Median Investment Score

87Below average

095130300
BRFMR
Eff. Rent
0 BR$1,110$1,220
1 BR$1,240$1,290
2 BR$1,350$1,360
3 BR$1,870$1,780
4 BR$2,190$2,250
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
$140,179

Cost breakdown

+Likely effective rent$1,360
HUD FMR$1,350
Market rent$1,360
Est. payment standard (100%)Used$1,360
-Principal and interest-$709
Loan amount$112,143
Down payment$28,036
Rate6.50%
Term30 years
-Operating costs-$451
Property taxes-$140
Insurance-$175
Utilities$0
HOA$0
Management-$136
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,996(78.5% ROI)
Projected value
$150,957
Return breakdown
Property appreciation+$10,778
Loan principal paid down+$4,018
Rental cash flow+$7,200
5-year hold
+$37,586(134.1% ROI)
Projected value
$158,600
Return breakdown
Property appreciation+$18,421
Loan principal paid down+$7,165
Rental cash flow+$12,000
10-year hold
+$80,334(286.5% ROI)
Projected value
$179,441
Return breakdown
Property appreciation+$39,262
Loan principal paid down+$17,073
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.85
1 BR
0.95
2 BR
0.99
3 BR
1.05
4 BR
0.96
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Saint Marys, GA fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Saint Marys, GA is $1,350 a month. That is up 3.8% from $1,300 in FY 2026. Saint Marys is in the Camden County, GA 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 $1,300. The median county two-bedroom FMR in Georgia is $1,058, so Saint Marys is 28% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Saint Marys, GA
BedroomsFY 2027Change90–110% range
Studio$1,1100.0%$999–$1,221
1BR$1,240+4.2%$1,116–$1,364
2BR$1,350+3.8%$1,215–$1,485
3BR$1,870+3.3%$1,683–$2,057
4BR$2,190+3.3%$1,971–$2,409

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Saint Marys, GA
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,110$1,240$1,350$1,870$2,190
FY 2026$1,110$1,190$1,300$1,810$2,120
FY 2025$1,000$1,060$1,170$1,640$1,960
FY 2024area FMR$902$906$1,053$1,484$1,723
FY 2023area FMR$781$786$972$1,380$1,603

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

Questions about Saint Marys, GA rents

How much will Section 8 pay for a two-bedroom in Saint Marys, GA?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,300, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,170 to $1,430 a month; under the ZIP-level Small Area FMR of $1,350 it would be $1,215 to $1,485. 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 Marys, GA in?

Saint Marys, GA is in the Camden County, GA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,300.

How much did fair market rent change in Saint Marys, GA for FY 2027?

The two-bedroom FMR rose 3.8%, from $1,300 in FY 2026 to $1,350 in FY 2027. Since FY 2025 it has risen 15.4%.

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