32082
ZIPSAFMR
Duval County, FL
BRFMR
Eff. Rent
0 BR$1,810$1,990
1 BR$1,840$2,020
2 BR$2,210$2,430
3 BR$2,720$2,900
4 BR$3,410$3,750
5 BR$3,921
6 BR$4,510
7 BR$5,186
8 BR$5,964

Purchase Price Calculator

Maximum purchase price
$299,181

Cost breakdown

+Likely effective rent$2,430
HUD FMR$2,210
Market rent$3,070
Est. payment standard (110%)Used$2,430
Estimated payment standard is $2,430 (110% of FMR).
-Principal and interest-$1,513
Loan amount$239,344
Down payment$59,836
Rate6.50%
Term30 years
-Operating costs-$717
Property taxes-$299
Insurance-$175
Utilities$0
HOA$0
Management-$243
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$38,779(64.8% ROI)
Projected value
$322,185
Current value$299,181
Return breakdown
Property appreciation+$23,004
Loan principal paid down+$8,575
Rental cash flow+$7,200
5-year hold
+$66,607(111.3% ROI)
Projected value
$338,495
Current value$299,181
Return breakdown
Property appreciation+$39,315
Loan principal paid down+$15,292
Rental cash flow+$12,000
10-year hold
+$144,233(241.0% ROI)
Projected value
$382,976
Current value$299,181
Return breakdown
Property appreciation+$83,796
Loan principal paid down+$36,437
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
0.74ratio
FMR$1,810
Market$2,430
vs market-$620

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

90% standard$1,629 / 0.67 ratio110% standard$1,991 / 0.82 ratio
0.74
1 BR
1 BR
0.66ratio
FMR$1,840
Market$2,800
vs market-$960

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

90% standard$1,656 / 0.59 ratio110% standard$2,024 / 0.72 ratio
0.66
2 BR
2 BR
0.72ratio
FMR$2,210
Market$3,070
vs market-$860

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

90% standard$1,989 / 0.65 ratio110% standard$2,431 / 0.79 ratio
0.72
3 BR
3 BR
0.91ratio
FMR$2,720
Market$2,990
vs market-$270

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

90% standard$2,448 / 0.82 ratio110% standard$2,992 / 1.00 ratio
0.91
4 BR
4 BR
0.85ratio
FMR$3,410
Market$4,020
vs market-$610

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

90% standard$3,069 / 0.76 ratio110% standard$3,751 / 0.93 ratio
0.85
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 32082 (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.

32082 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 32082 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,210 and the 4 bedroom fair market rent is $3,410.

Use this page for searches like 32082 FMR, 32082 fair market rent, and 32082 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 32082
Bedroom sizeHUD FMR
Studio$1,810
1 bedroom$1,840
2 bedroom$2,210
3 bedroom$2,720
4 bedroom$3,410