FL/Lake County/UMATILLA
UMATILLA, FL
CitySAFMR
Lake County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,270$1,080
1 BR$1,340$1,350
2 BR$1,520$1,500
3 BR$1,920$1,890
4 BR$2,320$2,230
5 BR$2,668
6 BR$3,068
7 BR$3,528
8 BR$4,058

Purchase Price Calculator

Maximum purchase price
$160,983

Cost breakdown

+Likely effective rent$1,500
HUD FMR$1,520
Market rentUsed$1,500
Est. payment standard (99%)$1,510
Market rent is below the inferred standard ($1,510, 99% of FMR).
-Principal and interest-$814
Loan amount$128,786
Down payment$32,197
Rate6.50%
Term30 years
-Operating costs-$486
Property taxes-$161
Insurance-$175
Utilities$0
HOA$0
Management-$150
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,192(75.1% ROI)
Projected value
$173,361
Current value$160,983
Return breakdown
Property appreciation+$12,378
Loan principal paid down+$4,614
Rental cash flow+$7,200
5-year hold
+$41,383(128.5% ROI)
Projected value
$182,137
Current value$160,983
Return breakdown
Property appreciation+$21,154
Loan principal paid down+$8,228
Rental cash flow+$12,000
10-year hold
+$88,695(275.5% ROI)
Projected value
$206,072
Current value$160,983
Return breakdown
Property appreciation+$45,089
Loan principal paid down+$19,606
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- 32784
1.18ratio
FMR$1,270
Market$1,080
vs market+$190

FMR is above market; underwrite to market rent.

90% standard$1,143 / 1.06 ratio110% standard$1,397 / 1.29 ratio
1.18
1 BR
1 BR- 32784
0.99ratio
FMR$1,340
Market$1,350
vs market-$10

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

90% standard$1,206 / 0.89 ratio110% standard$1,474 / 1.09 ratio
0.99
2 BR
2 BR- 32784
1.01ratio
FMR$1,520
Market$1,500
vs market+$20

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

90% standard$1,368 / 0.91 ratio110% standard$1,672 / 1.11 ratio
1.01
3 BR
3 BR- 32784
1.02ratio
FMR$1,920
Market$1,890
vs market+$30

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

90% standard$1,728 / 0.91 ratio110% standard$2,112 / 1.12 ratio
1.02
4 BR
4 BR- 32784
1.04ratio
FMR$2,320
Market$2,230
vs market+$90

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

90% standard$2,088 / 0.94 ratio110% standard$2,552 / 1.14 ratio
1.04
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 UMATILLA, 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

UMATILLA, FL fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for UMATILLA, FL shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,520 and the 4 bedroom fair market rent is $2,320.

Use this page for searches like UMATILLA, FL FMR, UMATILLA, FL fair market rent, and UMATILLA, 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 UMATILLA, FL
Bedroom sizeHUD FMR
Studio$1,270
1 bedroom$1,340
2 bedroom$1,520
3 bedroom$1,920
4 bedroom$2,320