28101
ZIPSAFMR
Gaston County, NC
BRFMR
Eff. Rent
0 BR$1,180$1,150
1 BR$1,230$1,310
2 BR$1,350$1,490
3 BR$1,660$1,810
4 BR$2,110$2,160
5 BR$2,427
6 BR$2,790
7 BR$3,209
8 BR$3,690

Purchase Price Calculator

Maximum purchase price
$159,497

Cost breakdown

+Likely effective rent$1,490
HUD FMR$1,350
Market rent$1,570
Est. payment standard (110%)Used$1,490
Estimated payment standard is $1,490 (110% of FMR).
-Principal and interest-$807
Loan amount$127,598
Down payment$31,899
Rate6.50%
Term30 years
-Operating costs-$483
Property taxes-$159
Insurance-$175
Utilities$0
HOA$0
Management-$149
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,035(75.3% ROI)
Projected value
$171,761
Current value$159,497
Return breakdown
Property appreciation+$12,264
Loan principal paid down+$4,572
Rental cash flow+$7,200
5-year hold
+$41,111(128.9% ROI)
Projected value
$180,456
Current value$159,497
Return breakdown
Property appreciation+$20,959
Loan principal paid down+$8,152
Rental cash flow+$12,000
10-year hold
+$88,098(276.2% ROI)
Projected value
$204,170
Current value$159,497
Return breakdown
Property appreciation+$44,673
Loan principal paid down+$19,425
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
1.03ratio
FMR$1,180
Market$1,150
vs market+$30

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

90% standard$1,062 / 0.92 ratio110% standard$1,298 / 1.13 ratio
1.03
1 BR
1 BR
0.90ratio
FMR$1,230
Market$1,360
vs market-$130

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

90% standard$1,107 / 0.81 ratio110% standard$1,353 / 0.99 ratio
0.90
2 BR
2 BR
0.86ratio
FMR$1,350
Market$1,570
vs market-$220

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

90% standard$1,215 / 0.77 ratio110% standard$1,485 / 0.95 ratio
0.86
3 BR
3 BR
0.88ratio
FMR$1,660
Market$1,890
vs market-$230

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

90% standard$1,494 / 0.79 ratio110% standard$1,826 / 0.97 ratio
0.88
4 BR
4 BR
0.97ratio
FMR$2,110
Market$2,180
vs market-$70

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

90% standard$1,899 / 0.87 ratio110% standard$2,321 / 1.06 ratio
0.97
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 28101 (NC) 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.

28101 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 28101 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,350 and the 4 bedroom fair market rent is $2,110.

Use this page for searches like 28101 FMR, 28101 fair market rent, and 28101 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 28101
Bedroom sizeHUD FMR
Studio$1,180
1 bedroom$1,230
2 bedroom$1,350
3 bedroom$1,660
4 bedroom$2,110