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30095

ZIPSAFMR
Gwinnett County, GA
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$1,680$1,550
1 BR$1,750$1,600
2 BR$1,900$2,000
3 BR$2,260$2,290
4 BR$2,690$2,510
5 BR$3,093Not available
6 BR$3,558Not available
7 BR$4,091Not available
8 BR$4,705Not available

Purchase Price Calculator

Maximum purchase price
$235,283

Cost breakdown

+Likely effective rent$2,000
HUD FMR$1,900
Market rent$2,060
Est. payment standard (105%)Used$2,000
-Principal and interest-$1,190
Loan amount$188,226
Down payment$47,057
Rate6.50%
Term30 years
-Operating costs-$610
Property taxes-$235
Insurance-$175
Utilities$0
HOA$0
Management-$200
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,035(68.1% ROI)
Projected value
$253,374
Return breakdown
Property appreciation+$18,091
Loan principal paid down+$6,744
Rental cash flow+$7,200
5-year hold
+$54,944(116.8% ROI)
Projected value
$266,201
Return breakdown
Property appreciation+$30,918
Loan principal paid down+$12,026
Rental cash flow+$12,000
10-year hold
+$118,554(251.9% ROI)
Projected value
$301,182
Return breakdown
Property appreciation+$65,899
Loan principal paid down+$28,655
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.08
1 BR
1.09
2 BR
0.92
3 BR
0.98
4 BR
1.07
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
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Tax rate
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Mortgage rate
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ZIP 30095 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 30095 (Duluth, GA) is $1,900 a month. That is down 3.6% from $1,970 in FY 2026. Duluth is in the Atlanta-Sandy Springs-Roswell, GA HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 38 ZIP codes in Gwinnett County, 30095 is tied for the 17th-highest two-bedroom rent (county range $1,290–$2,580). The median county two-bedroom FMR in Georgia is $1,058, so ZIP 30095 is 80% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 30095
BedroomsFY 2027Change90–110% range
Studio$1,680−2.3%$1,512–$1,848
1BR$1,750−2.8%$1,575–$1,925
2BR$1,900−3.6%$1,710–$2,090
3BR$2,260−4.2%$2,034–$2,486
4BR$2,690−4.6%$2,421–$2,959

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 30095
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,680$1,750$1,900$2,260$2,690
FY 2026$1,720$1,800$1,970$2,360$2,820
FY 2025$1,730$1,800$1,990$2,400$2,890
FY 2024$1,740$1,790$2,010$2,430$2,950
FY 2023$1,460$1,500$1,690$2,060$2,510

Two-bedroom rent in nearby Gwinnett County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 30095
30052$1,950+2.6%
30058$1,650−13.2%
30071$1,770−6.8%
30078$1,860−2.1%
30084$1,810−4.7%
30087$1,910+0.5%
30091$1,9000.0%
30092$1,930+1.6%
30093$1,810−4.7%
30095Current$1,900—
30096$2,020+6.3%
30097$2,090+10.0%

Questions about ZIP 30095 rents

How much will Section 8 pay for a two-bedroom in ZIP 30095?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,900, that basic range is $1,710 to $2,090 a month. 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 30095 in?

ZIP 30095 is in the Atlanta-Sandy Springs-Roswell, GA HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 30095 for FY 2027?

The two-bedroom FMR fell 3.6%, from $1,970 in FY 2026 to $1,900 in FY 2027. Since FY 2023 it has risen 12.4%.

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