22909
ZIPFMR
Albemarle County, VA
BRFMR
Eff. Rent
0 BR$1,421$1,560
1 BR$1,602$1,760
2 BR$1,824$2,010
3 BR$2,218$2,440
4 BR$2,731$3,000
5 BR$3,141
6 BR$3,612
7 BR$4,154
8 BR$4,777

Purchase Price Calculator

Maximum purchase price
$236,769

Cost breakdown

+Likely effective rent$2,010
HUD FMR$1,824
Market rent$2,260
Est. payment standard (110%)Used$2,010
Estimated payment standard is $2,010 (110% of FMR).
-Principal and interest-$1,197
Loan amount$189,415
Down payment$47,354
Rate6.50%
Term30 years
-Operating costs-$613
Property taxes-$237
Insurance-$175
Utilities$0
HOA$0
Management-$201
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,192(68.0% ROI)
Projected value
$254,974
Current value$236,769
Return breakdown
Property appreciation+$18,205
Loan principal paid down+$6,786
Rental cash flow+$7,200
5-year hold
+$55,215(116.6% ROI)
Projected value
$267,882
Current value$236,769
Return breakdown
Property appreciation+$31,113
Loan principal paid down+$12,102
Rental cash flow+$12,000
10-year hold
+$119,152(251.6% ROI)
Projected value
$303,084
Current value$236,769
Return breakdown
Property appreciation+$66,315
Loan principal paid down+$28,836
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
0.81ratio
FMR$1,421
Market$1,750
vs market-$329

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

90% standard$1,279 / 0.73 ratio110% standard$1,563 / 0.89 ratio
0.81
1 BR
1 BR
0.86ratio
FMR$1,602
Market$1,870
vs market-$268

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

90% standard$1,442 / 0.77 ratio110% standard$1,762 / 0.94 ratio
0.86
2 BR
2 BR
0.81ratio
FMR$1,824
Market$2,260
vs market-$436

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

90% standard$1,642 / 0.73 ratio110% standard$2,006 / 0.89 ratio
0.81
3 BR
3 BR
0.85ratio
FMR$2,218
Market$2,600
vs market-$382

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

90% standard$1,996 / 0.77 ratio110% standard$2,440 / 0.94 ratio
0.85
4 BR
4 BR
0.84ratio
FMR$2,731
Market$3,260
vs market-$529

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

90% standard$2,458 / 0.75 ratio110% standard$3,004 / 0.92 ratio
0.84
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom 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 22909 (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 FMR 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.

22909 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 22909 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,824 and the 4 bedroom fair market rent is $2,731.

Use this page for searches like 22909 FMR, 22909 fair market rent, and 22909 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 22909
Bedroom sizeHUD FMR
Studio$1,421
1 bedroom$1,602
2 bedroom$1,824
3 bedroom$2,218
4 bedroom$2,731