28174
ZIPSAFMR
Union County, NC
BRFMR
Eff. Rent
0 BR$1,080$1,190
1 BR$1,130$1,240
2 BR$1,250$1,380
3 BR$1,530$1,680
4 BR$1,950$2,040
5 BR$2,243
6 BR$2,579
7 BR$2,966
8 BR$3,411

Purchase Price Calculator

Maximum purchase price
$143,151

Cost breakdown

+Likely effective rent$1,380
HUD FMR$1,250
Market rent$1,600
Est. payment standard (110%)Used$1,380
Estimated payment standard is $1,380 (110% of FMR).
-Principal and interest-$724
Loan amount$114,521
Down payment$28,630
Rate6.50%
Term30 years
-Operating costs-$456
Property taxes-$143
Insurance-$175
Utilities$0
HOA$0
Management-$138
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,310(77.9% ROI)
Projected value
$154,158
Current value$143,151
Return breakdown
Property appreciation+$11,007
Loan principal paid down+$4,103
Rental cash flow+$7,200
5-year hold
+$38,128(133.2% ROI)
Projected value
$161,962
Current value$143,151
Return breakdown
Property appreciation+$18,811
Loan principal paid down+$7,317
Rental cash flow+$12,000
10-year hold
+$81,529(284.8% ROI)
Projected value
$183,245
Current value$143,151
Return breakdown
Property appreciation+$40,094
Loan principal paid down+$17,434
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
0.74ratio
FMR$1,080
Market$1,460
vs market-$380

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

90% standard$972 / 0.67 ratio110% standard$1,188 / 0.81 ratio
0.74
1 BR
1 BR
0.78ratio
FMR$1,130
Market$1,450
vs market-$320

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

90% standard$1,017 / 0.70 ratio110% standard$1,243 / 0.86 ratio
0.78
2 BR
2 BR
0.78ratio
FMR$1,250
Market$1,600
vs market-$350

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

90% standard$1,125 / 0.70 ratio110% standard$1,375 / 0.86 ratio
0.78
3 BR
3 BR
0.84ratio
FMR$1,530
Market$1,830
vs market-$300

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

90% standard$1,377 / 0.75 ratio110% standard$1,683 / 0.92 ratio
0.84
4 BR
4 BR
0.93ratio
FMR$1,950
Market$2,090
vs market-$140

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

90% standard$1,755 / 0.84 ratio110% standard$2,145 / 1.03 ratio
0.93
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 28174 (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.

28174 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 28174 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,250 and the 4 bedroom fair market rent is $1,950.

Use this page for searches like 28174 FMR, 28174 fair market rent, and 28174 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 28174
Bedroom sizeHUD FMR
Studio$1,080
1 bedroom$1,130
2 bedroom$1,250
3 bedroom$1,530
4 bedroom$1,950