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Flagler County/Saint Augustine/32086

32086

ZIPSAFMR
Flagler County, FL
Zillow

ZIP Investment Score

75Below average

095130300
BRFMR
Eff. Rent
0 BR$1,480$1,540
1 BR$1,500$1,610
2 BR$1,790$1,860
3 BR$2,190$2,130
4 BR$2,740$2,490
5 BR$3,151Not available
6 BR$3,624Not available
7 BR$4,167Not available
8 BR$4,792Not available

Purchase Price Calculator

Maximum purchase price
$214,479

Cost breakdown

+Likely effective rent$1,860
HUD FMR$1,790
Market rent$1,900
Est. payment standard (104%)Used$1,860
-Principal and interest-$1,085
Loan amount$171,583
Down payment$42,896
Rate6.50%
Term30 years
-Operating costs-$575
Property taxes-$214
Insurance-$175
Utilities$0
HOA$0
Management-$186
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,839(69.6% ROI)
Projected value
$230,970
Return breakdown
Property appreciation+$16,491
Loan principal paid down+$6,147
Rental cash flow+$7,200
5-year hold
+$51,147(119.2% ROI)
Projected value
$242,663
Return breakdown
Property appreciation+$28,184
Loan principal paid down+$10,962
Rental cash flow+$12,000
10-year hold
+$110,194(256.9% ROI)
Projected value
$274,551
Return breakdown
Property appreciation+$60,072
Loan principal paid down+$26,122
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.94
1 BR
0.90
2 BR
0.94
3 BR
1.03
4 BR
1.10
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 32086 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 32086 (Saint Augustine, FL) is $1,790 a month. That is down 0.6% from $1,800 in FY 2026. Saint Augustine is in the Palm Coast, FL HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 11 ZIP codes in Flagler County, 32086 is tied for the 3rd-highest two-bedroom rent (county range $1,280–$1,930). The median county two-bedroom FMR in Florida is $1,474, so ZIP 32086 is 21% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 32086
BedroomsFY 2027Change90–110% range
Studio$1,480+0.7%$1,332–$1,628
1BR$1,5000.0%$1,350–$1,650
2BR$1,790−0.6%$1,611–$1,969
3BR$2,190−1.4%$1,971–$2,409
4BR$2,740−1.4%$2,466–$3,014

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 32086
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,480$1,500$1,790$2,190$2,740
FY 2026$1,470$1,500$1,800$2,220$2,780
FY 2025$1,480$1,560$1,860$2,330$2,940
FY 2024$1,320$1,440$1,710$2,160$2,750
FY 2023$1,000$1,150$1,360$1,750$2,220

Two-bedroom rent in nearby Flagler County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 32086
32080$1,930+7.8%
32086Current$1,790—
32110$1,630−8.9%
32135$1,760−1.7%
32136$1,630−8.9%
32137$1,880+5.0%
32143$1,760−1.7%
32145$1,280−28.5%
32164$1,7900.0%
32174$1,630−8.9%
32180$1,630−8.9%

Questions about ZIP 32086 rents

How much will Section 8 pay for a two-bedroom in ZIP 32086?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,790, that basic range is $1,611 to $1,969 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 32086 in?

ZIP 32086 is in the Palm Coast, FL HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 32086 for FY 2027?

The two-bedroom FMR fell 0.6%, from $1,800 in FY 2026 to $1,790 in FY 2027. Since FY 2023 it has risen 31.6%.

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 rentSaint Augustine, FL fair market rentFL statewide rentsWhat is SAFMR?Data sources