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Onslow County/Hubert/28539

28539

ZIPSAFMR
Onslow County, NC
Zillow

ZIP Investment Score

86Below average

095130300
BRFMR
Eff. Rent
0 BR$1,030$1,130
1 BR$1,030$980
2 BR$1,270$1,100
3 BR$1,760$1,770
4 BR$2,120$2,150
5 BR$2,438Not available
6 BR$2,804Not available
7 BR$3,224Not available
8 BR$3,708Not available

Purchase Price Calculator

Maximum purchase price
$101,543

Cost breakdown

+Likely effective rent$1,100
HUD FMR$1,270
Market rentUsed$1,100
Est. payment standard (91%)$1,160
-Principal and interest-$513
Loan amount$81,234
Down payment$20,309
Rate6.50%
Term30 years
-Operating costs-$387
Property taxes-$102
Insurance-$175
Utilities$0
HOA$0
Management-$110
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$17,918(88.2% ROI)
Projected value
$109,351
Return breakdown
Property appreciation+$7,808
Loan principal paid down+$2,910
Rental cash flow+$7,200
5-year hold
+$30,534(150.3% ROI)
Projected value
$114,887
Return breakdown
Property appreciation+$13,344
Loan principal paid down+$5,190
Rental cash flow+$12,000
10-year hold
+$64,808(319.1% ROI)
Projected value
$129,984
Return breakdown
Property appreciation+$28,441
Loan principal paid down+$12,367
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.68
1 BR
1.05
2 BR
1.15
3 BR
0.99
4 BR
0.98
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 28539 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 28539 (Hubert, NC) is $1,270 a month. That is up 11.4% from $1,140 in FY 2026. Hubert is in the Jacksonville, NC MSA. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $1,319. Among 19 ZIP codes in Onslow County, 28539 has the 13th-highest two-bedroom rent (county range $1,060–$1,870). The median county two-bedroom FMR in North Carolina is $1,145, so ZIP 28539 is 11% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 28539
BedroomsFY 2027Change90–110% range
Studio$1,030+14.4%$927–$1,133
1BR$1,030+13.2%$927–$1,133
2BR$1,270+11.4%$1,143–$1,397
3BR$1,760+10.7%$1,584–$1,936
4BR$2,120+11.0%$1,908–$2,332

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 28539
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,030$1,030$1,270$1,760$2,120
FY 2026$900$910$1,140$1,590$1,910
FY 2025$880$930$1,150$1,620$1,950
FY 2024$890$1,020$1,260$1,780$2,140
FY 2023$650$780$930$1,320$1,580

Two-bedroom rent in nearby Onslow County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 28539
28518$1,090−14.2%
28521$1,100−13.4%
28539Current$1,270—
28540$1,250−1.6%
28541$1,320+3.9%
28542$1,870+47.2%
28543$1,530+20.5%
28544$1,290+1.6%
28545$1,320+3.9%
28546$1,360+7.1%
28547$1,580+24.4%
28555$1,310+3.1%

Questions about ZIP 28539 rents

How much will Section 8 pay for a two-bedroom in ZIP 28539?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,319, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,187 to $1,451 a month; under the ZIP-level Small Area FMR of $1,270 it would be $1,143 to $1,397. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 28539 in?

ZIP 28539 is in the Jacksonville, NC MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,319.

How much did fair market rent change in ZIP 28539 for FY 2027?

The two-bedroom FMR rose 11.4%, from $1,140 in FY 2026 to $1,270 in FY 2027. Since FY 2023 it has risen 36.6%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentHubert, NC fair market rentNC statewide rentsWhat is SAFMR?Data sources