22565
ZIPSAFMR
Spotsylvania County, VA
BRFMR
Eff. Rent
0 BR$1,700$1,870
1 BR$1,760$1,850
2 BR$1,960$2,020
3 BR$2,470$2,360
4 BR$2,910$2,540
5 BR$3,346
6 BR$3,848
7 BR$4,426
8 BR$5,090

Purchase Price Calculator

Maximum purchase price
$238,255

Cost breakdown

+Likely effective rent$2,020
HUD FMR$1,960
Market rent$2,050
Est. payment standard (103%)Used$2,020
Estimated payment standard is $2,020 (103% of FMR).
-Principal and interest-$1,205
Loan amount$190,604
Down payment$47,651
Rate6.50%
Term30 years
-Operating costs-$615
Property taxes-$238
Insurance-$175
Utilities$0
HOA$0
Management-$202
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,348(67.9% ROI)
Projected value
$256,574
Current value$238,255
Return breakdown
Property appreciation+$18,320
Loan principal paid down+$6,829
Rental cash flow+$7,200
5-year hold
+$55,486(116.4% ROI)
Projected value
$269,563
Current value$238,255
Return breakdown
Property appreciation+$31,309
Loan principal paid down+$12,178
Rental cash flow+$12,000
10-year hold
+$119,749(251.3% ROI)
Projected value
$304,986
Current value$238,255
Return breakdown
Property appreciation+$66,731
Loan principal paid down+$29,017
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.81ratio
FMR$1,700
Market$2,100
vs market-$400

FMR is below market; voucher rent may lag private rents.

90% standard$1,530 / 0.73 ratio110% standard$1,870 / 0.89 ratio
0.81
1 BR
1 BR
0.93ratio
FMR$1,760
Market$1,900
vs market-$140

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

90% standard$1,584 / 0.83 ratio110% standard$1,936 / 1.02 ratio
0.93
2 BR
2 BR
0.96ratio
FMR$1,960
Market$2,050
vs market-$90

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

90% standard$1,764 / 0.86 ratio110% standard$2,156 / 1.05 ratio
0.96
3 BR
3 BR
1.05ratio
FMR$2,470
Market$2,360
vs market+$110

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

90% standard$2,223 / 0.94 ratio110% standard$2,717 / 1.15 ratio
1.05
4 BR
4 BR
1.15ratio
FMR$2,910
Market$2,540
vs market+$370

FMR is above market; underwrite to market rent.

90% standard$2,619 / 1.03 ratio110% standard$3,201 / 1.26 ratio
1.15
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 22565 (VA) 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.

22565 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 22565 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,960 and the 4 bedroom fair market rent is $2,910.

Use this page for searches like 22565 FMR, 22565 fair market rent, and 22565 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 22565
Bedroom sizeHUD FMR
Studio$1,700
1 bedroom$1,760
2 bedroom$1,960
3 bedroom$2,470
4 bedroom$2,910