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31026

ZIPFMR
Putnam County, GA
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$928$928
1 BR$1,035$1,035
2 BR$1,127$1,127
3 BR$1,522$1,522
4 BR$1,627$1,627
5 BR$1,871Not available
6 BR$2,152Not available
7 BR$2,474Not available
8 BR$2,846Not available

Purchase Price Calculator

Maximum purchase price
$105,555

Cost breakdown

+Likely effective rent$1,127
HUD FMRUsed$1,127
Market rentN/A
Est. payment standardN/A
-Principal and interest-$534
Loan amount$84,444
Down payment$21,111
Rate6.50%
Term30 years
-Operating costs-$393
Property taxes-$106
Insurance-$175
Utilities$0
HOA$0
Management-$113
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$18,342(86.9% ROI)
Projected value
$113,671
Return breakdown
Property appreciation+$8,116
Loan principal paid down+$3,025
Rental cash flow+$7,200
5-year hold
+$31,266(148.1% ROI)
Projected value
$119,426
Return breakdown
Property appreciation+$13,871
Loan principal paid down+$5,395
Rental cash flow+$12,000
10-year hold
+$66,420(314.6% ROI)
Projected value
$135,120
Return breakdown
Property appreciation+$29,564
Loan principal paid down+$12,856
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
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Mortgage rate
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ZIP 31026 fair market rent, FY 2027

For FY 2027, HUD's Fair Market Rent for a two-bedroom unit in ZIP 31026 (Eatonton, GA) is $1,127 a month. That is down 0.6% from $1,134 in FY 2026. Eatonton is in the Putnam County, GA non-metropolitan FMR area. One county-wide FMR applies to every ZIP code in it. The median county two-bedroom FMR in Georgia is $1,058, so ZIP 31026 is 7% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 31026
BedroomsFY 2027Change90–110% range
Studio$928+4.0%$835–$1,021
1BR$1,035+15.3%$932–$1,139
2BR$1,127−0.6%$1,014–$1,240
3BR$1,522−1.6%$1,370–$1,674
4BR$1,627+0.1%$1,464–$1,790

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 31026
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$928$1,035$1,127$1,522$1,627
FY 2026$892$898$1,134$1,546$1,626
FY 2025$819$824$1,044$1,396$1,753
FY 2024$800$805$1,022$1,299$1,734
FY 2023$715$719$916$1,115$1,560

Questions about ZIP 31026 rents

How much will Section 8 pay for a two-bedroom in ZIP 31026?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,127, that basic range is $1,014 to $1,240 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 31026 in?

ZIP 31026 is in the Putnam County, GA non-metropolitan FMR area.

How much did fair market rent change in ZIP 31026 for FY 2027?

The two-bedroom FMR fell 0.6%, from $1,134 in FY 2026 to $1,127 in FY 2027. Since FY 2023 it has risen 23.0%.

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 Fair Market Rents. 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