32081
ZIPSAFMR
St. Johns County, FL
BRFMR
Eff. Rent
0 BR$1,870$2,060
1 BR$1,970$2,170
2 BR$2,340$2,570
3 BR$2,930$2,910
4 BR$3,710$3,690
5 BR$4,267
6 BR$4,906
7 BR$5,642
8 BR$6,489

Purchase Price Calculator

Maximum purchase price
$319,984

Cost breakdown

+Likely effective rent$2,570
HUD FMR$2,340
Market rent$2,850
Est. payment standard (110%)Used$2,570
Estimated payment standard is $2,570 (110% of FMR).
-Principal and interest-$1,618
Loan amount$255,988
Down payment$63,997
Rate6.50%
Term30 years
-Operating costs-$752
Property taxes-$320
Insurance-$175
Utilities$0
HOA$0
Management-$257
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$40,975(64.0% ROI)
Projected value
$344,588
Current value$319,984
Return breakdown
Property appreciation+$24,604
Loan principal paid down+$9,171
Rental cash flow+$7,200
5-year hold
+$70,404(110.0% ROI)
Projected value
$362,033
Current value$319,984
Return breakdown
Property appreciation+$42,049
Loan principal paid down+$16,355
Rental cash flow+$12,000
10-year hold
+$152,594(238.4% ROI)
Projected value
$409,607
Current value$319,984
Return breakdown
Property appreciation+$89,623
Loan principal paid down+$38,971
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
0.77ratio
FMR$1,870
Market$2,440
vs market-$570

FMR is below market; voucher rent may lag private rents.

90% standard$1,683 / 0.69 ratio110% standard$2,057 / 0.84 ratio
0.77
1 BR
1 BR
0.80ratio
FMR$1,970
Market$2,460
vs market-$490

FMR is below market; voucher rent may lag private rents.

90% standard$1,773 / 0.72 ratio110% standard$2,167 / 0.88 ratio
0.80
2 BR
2 BR
0.82ratio
FMR$2,340
Market$2,850
vs market-$510

FMR is below market; voucher rent may lag private rents.

90% standard$2,106 / 0.74 ratio110% standard$2,574 / 0.90 ratio
0.82
3 BR
3 BR
1.01ratio
FMR$2,930
Market$2,910
vs market+$20

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

90% standard$2,637 / 0.91 ratio110% standard$3,223 / 1.11 ratio
1.01
4 BR
4 BR
1.01ratio
FMR$3,710
Market$3,690
vs market+$20

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

90% standard$3,339 / 0.90 ratio110% standard$4,081 / 1.11 ratio
1.01
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 32081 (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.

32081 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 32081 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,340 and the 4 bedroom fair market rent is $3,710.

Use this page for searches like 32081 FMR, 32081 fair market rent, and 32081 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 32081
Bedroom sizeHUD FMR
Studio$1,870
1 bedroom$1,970
2 bedroom$2,340
3 bedroom$2,930
4 bedroom$3,710