32068
ZIPSAFMR
Clay County, FL
BRFMR
Eff. Rent
0 BR$1,360$1,350
1 BR$1,390$1,420
2 BR$1,670$1,610
3 BR$2,060$1,810
4 BR$2,580$2,140
5 BR$2,967
6 BR$3,412
7 BR$3,924
8 BR$4,512

Purchase Price Calculator

Maximum purchase price
$177,329

Cost breakdown

+Likely effective rent$1,610
HUD FMR$1,670
Market rentUsed$1,610
Est. payment standard (98%)$1,630
Market rent is below the inferred standard ($1,630, 98% of FMR).
-Principal and interest-$897
Loan amount$141,863
Down payment$35,466
Rate6.50%
Term30 years
-Operating costs-$513
Property taxes-$177
Insurance-$175
Utilities$0
HOA$0
Management-$161
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,918(73.1% ROI)
Projected value
$190,964
Current value$177,329
Return breakdown
Property appreciation+$13,635
Loan principal paid down+$5,083
Rental cash flow+$7,200
5-year hold
+$44,366(125.1% ROI)
Projected value
$200,631
Current value$177,329
Return breakdown
Property appreciation+$23,302
Loan principal paid down+$9,064
Rental cash flow+$12,000
10-year hold
+$95,264(268.6% ROI)
Projected value
$226,996
Current value$177,329
Return breakdown
Property appreciation+$49,667
Loan principal paid down+$21,597
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
1.01ratio
FMR$1,360
Market$1,350
vs market+$10

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

90% standard$1,224 / 0.91 ratio110% standard$1,496 / 1.11 ratio
1.01
1 BR
1 BR
0.97ratio
FMR$1,390
Market$1,430
vs market-$40

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

90% standard$1,251 / 0.87 ratio110% standard$1,529 / 1.07 ratio
0.97
2 BR
2 BR
1.04ratio
FMR$1,670
Market$1,610
vs market+$60

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

90% standard$1,503 / 0.93 ratio110% standard$1,837 / 1.14 ratio
1.04
3 BR
3 BR
1.14ratio
FMR$2,060
Market$1,810
vs market+$250

FMR is above market; underwrite to market rent.

90% standard$1,854 / 1.02 ratio110% standard$2,266 / 1.25 ratio
1.14
4 BR
4 BR
1.21ratio
FMR$2,580
Market$2,140
vs market+$440

FMR is above market; underwrite to market rent.

90% standard$2,322 / 1.09 ratio110% standard$2,838 / 1.33 ratio
1.21
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 32068 (FL) 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.

32068 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 32068 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,670 and the 4 bedroom fair market rent is $2,580.

Use this page for searches like 32068 FMR, 32068 fair market rent, and 32068 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 32068
Bedroom sizeHUD FMR
Studio$1,360
1 bedroom$1,390
2 bedroom$1,670
3 bedroom$2,060
4 bedroom$2,580