28126
ZIPSAFMR
Mecklenburg County, NC
BRFMR
Eff. Rent
0 BR$1,560$1,640
1 BR$1,630$1,570
2 BR$1,790$1,790
3 BR$2,200$1,940
4 BR$2,800$2,190
5 BR$3,220
6 BR$3,703
7 BR$4,258
8 BR$4,897

Purchase Price Calculator

Maximum purchase price
$204,077

Cost breakdown

+Likely effective rent$1,790
HUD FMR$1,790
Market rent$1,790
Est. payment standard (100%)Used$1,790
Estimated payment standard is $1,790 (100% of FMR).
-Principal and interest-$1,032
Loan amount$163,261
Down payment$40,815
Rate6.50%
Term30 years
-Operating costs-$558
Property taxes-$204
Insurance-$175
Utilities$0
HOA$0
Management-$179
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,741(70.4% ROI)
Projected value
$219,768
Current value$204,077
Return breakdown
Property appreciation+$15,692
Loan principal paid down+$5,849
Rental cash flow+$7,200
5-year hold
+$49,248(120.7% ROI)
Projected value
$230,894
Current value$204,077
Return breakdown
Property appreciation+$26,817
Loan principal paid down+$10,431
Rental cash flow+$12,000
10-year hold
+$106,013(259.7% ROI)
Projected value
$261,236
Current value$204,077
Return breakdown
Property appreciation+$57,159
Loan principal paid down+$24,855
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
0.93ratio
FMR$1,560
Market$1,680
vs market-$120

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

90% standard$1,404 / 0.84 ratio110% standard$1,716 / 1.02 ratio
0.93
1 BR
1 BR
1.04ratio
FMR$1,630
Market$1,570
vs market+$60

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

90% standard$1,467 / 0.93 ratio110% standard$1,793 / 1.14 ratio
1.04
2 BR
2 BR
1.00ratio
FMR$1,790
Market$1,790
vs market+$0

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

90% standard$1,611 / 0.90 ratio110% standard$1,969 / 1.10 ratio
1.00
3 BR
3 BR
1.13ratio
FMR$2,200
Market$1,940
vs market+$260

FMR is above market; underwrite to market rent.

90% standard$1,980 / 1.02 ratio110% standard$2,420 / 1.25 ratio
1.13
4 BR
4 BR
1.28ratio
FMR$2,800
Market$2,190
vs market+$610

FMR is above market; underwrite to market rent.

90% standard$2,520 / 1.15 ratio110% standard$3,080 / 1.41 ratio
1.28
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 28126 (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.

28126 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 28126 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,790 and the 4 bedroom fair market rent is $2,800.

Use this page for searches like 28126 FMR, 28126 fair market rent, and 28126 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 28126
Bedroom sizeHUD FMR
Studio$1,560
1 bedroom$1,630
2 bedroom$1,790
3 bedroom$2,200
4 bedroom$2,800