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32105

ZIPFMR
Volusia County, FL
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$1,258$1,258
1 BR$1,363$1,363
2 BR$1,673$1,673
3 BR$2,204$2,204
4 BR$2,403$2,403
5 BR$2,763Not available
6 BR$3,178Not available
7 BR$3,655Not available
8 BR$4,203Not available

Purchase Price Calculator

Maximum purchase price
$186,691

Cost breakdown

+Likely effective rent$1,673
HUD FMRUsed$1,673
Market rentN/A
Est. payment standardN/A
-Principal and interest-$944
Loan amount$149,352
Down payment$37,338
Rate6.50%
Term30 years
-Operating costs-$529
Property taxes-$187
Insurance-$175
Utilities$0
HOA$0
Management-$167
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,906(72.1% ROI)
Projected value
$201,045
Return breakdown
Property appreciation+$14,355
Loan principal paid down+$5,351
Rental cash flow+$7,200
5-year hold
+$46,075(123.4% ROI)
Projected value
$211,223
Return breakdown
Property appreciation+$24,533
Loan principal paid down+$9,542
Rental cash flow+$12,000
10-year hold
+$99,026(265.2% ROI)
Projected value
$238,980
Return breakdown
Property appreciation+$52,289
Loan principal paid down+$22,737
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
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Mortgage rate
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ZIP 32105 fair market rent, FY 2027

For FY 2027, HUD's Fair Market Rent for a two-bedroom unit in ZIP 32105 (Barberville, FL) is $1,673 a month. Barberville is in the Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area. The median county two-bedroom FMR in Florida is $1,474, so ZIP 32105 is 14% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 32105
BedroomsFY 202790–110% range
Studio$1,258$1,132–$1,384
1BR$1,363$1,227–$1,499
2BR$1,673$1,506–$1,840
3BR$2,204$1,984–$2,424
4BR$2,403$2,163–$2,643

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 32105
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,258$1,363$1,673$2,204$2,403
FY 2026SAFMR$1,200$1,380$1,700$2,240$2,430
FY 2025SAFMR$1,180$1,410$1,720$2,260$2,430
FY 2024SAFMR$960$1,150$1,410$1,860$1,920
FY 2023SAFMR$870$1,060$1,300$1,710$1,770

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Questions about ZIP 32105 rents

How much will Section 8 pay for a two-bedroom in ZIP 32105?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,673, that basic range is $1,506 to $1,840 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 32105 in?

ZIP 32105 is in the Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area. Small Area FMRs are not mandatory in this area.

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 Fair Market Rents. 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