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Effingham County/Rincon/31326

31326

ZIPSAFMR
Effingham County, GA
Zillow

ZIP Investment Score

92Below average

095130300
BRFMR
Eff. Rent
0 BR$1,310$1,430
1 BR$1,380$1,480
2 BR$1,520$1,620
3 BR$2,020$2,070
4 BR$2,300$2,330
5 BR$2,645Not available
6 BR$3,042Not available
7 BR$3,498Not available
8 BR$4,023Not available

Purchase Price Calculator

Maximum purchase price
$178,815

Cost breakdown

+Likely effective rent$1,620
HUD FMR$1,520
Market rent$1,670
Est. payment standard (106%)Used$1,620
-Principal and interest-$904
Loan amount$143,052
Down payment$35,763
Rate6.50%
Term30 years
-Operating costs-$516
Property taxes-$179
Insurance-$175
Utilities$0
HOA$0
Management-$162
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,074(72.9% ROI)
Projected value
$192,564
Return breakdown
Property appreciation+$13,749
Loan principal paid down+$5,125
Rental cash flow+$7,200
5-year hold
+$44,637(124.8% ROI)
Projected value
$202,313
Return breakdown
Property appreciation+$23,498
Loan principal paid down+$9,140
Rental cash flow+$12,000
10-year hold
+$95,861(268.0% ROI)
Projected value
$228,898
Return breakdown
Property appreciation+$50,083
Loan principal paid down+$21,778
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.88
1 BR
0.90
2 BR
0.91
3 BR
0.96
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 31326 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 31326 (Rincon, GA) is $1,520 a month. That is up 3.4% from $1,470 in FY 2026. Rincon is in the Savannah, GA 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 $1,679. Among 9 ZIP codes in Effingham County, 31326 is tied for the 4th-highest two-bedroom rent (county range $1,520–$2,050). The median county two-bedroom FMR in Georgia is $1,058, so ZIP 31326 is 44% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 31326
BedroomsFY 2027Change90–110% range
Studio$1,310+3.1%$1,179–$1,441
1BR$1,380+3.0%$1,242–$1,518
2BR$1,520+3.4%$1,368–$1,672
3BR$2,020+3.1%$1,818–$2,222
4BR$2,300+3.1%$2,070–$2,530

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 31326
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,310$1,380$1,520$2,020$2,300
FY 2026$1,270$1,340$1,470$1,960$2,230
FY 2025$1,200$1,290$1,430$1,920$2,220
FY 2024$1,120$1,210$1,360$1,850$2,170
FY 2023$1,010$1,090$1,230$1,680$1,970

Two-bedroom rent in nearby Effingham County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 31326
30446$1,5200.0%
31302$1,5200.0%
31303$1,5200.0%
31307$1,530+0.7%
31312$1,770+16.4%
31318$1,5200.0%
31326Current$1,520—
31329$1,5200.0%
31407$2,050+34.9%

Questions about ZIP 31326 rents

How much will Section 8 pay for a two-bedroom in ZIP 31326?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,679, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,511 to $1,847 a month; under the ZIP-level Small Area FMR of $1,520 it would be $1,368 to $1,672. 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 31326 in?

ZIP 31326 is in the Savannah, GA MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,679.

How much did fair market rent change in ZIP 31326 for FY 2027?

The two-bedroom FMR rose 3.4%, from $1,470 in FY 2026 to $1,520 in FY 2027. Since FY 2023 it has risen 23.6%.

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 rentRincon, GA fair market rentGA statewide rentsWhat is SAFMR?Data sources