32128
ZIPSAFMR
Volusia County, FL
BRFMR
Eff. Rent
0 BR$1,450$1,600
1 BR$1,680$1,660
2 BR$2,050$1,980
3 BR$2,700$2,250
4 BR$2,910$2,510
5 BR$3,346
6 BR$3,848
7 BR$4,426
8 BR$5,090

Purchase Price Calculator

Maximum purchase price
$232,311

Cost breakdown

+Likely effective rent$1,980
HUD FMR$2,050
Market rentUsed$1,980
Est. payment standard (98%)$2,000
Market rent is below the inferred standard ($2,000, 98% of FMR).
-Principal and interest-$1,175
Loan amount$185,849
Down payment$46,462
Rate6.50%
Term30 years
-Operating costs-$605
Property taxes-$232
Insurance-$175
Utilities$0
HOA$0
Management-$198
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$31,721(68.3% ROI)
Projected value
$250,173
Current value$232,311
Return breakdown
Property appreciation+$17,863
Loan principal paid down+$6,659
Rental cash flow+$7,200
5-year hold
+$54,401(117.1% ROI)
Projected value
$262,838
Current value$232,311
Return breakdown
Property appreciation+$30,528
Loan principal paid down+$11,874
Rental cash flow+$12,000
10-year hold
+$117,360(252.6% ROI)
Projected value
$297,377
Current value$232,311
Return breakdown
Property appreciation+$65,067
Loan principal paid down+$28,293
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
0.86ratio
FMR$1,450
Market$1,680
vs market-$230

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

90% standard$1,305 / 0.78 ratio110% standard$1,595 / 0.95 ratio
0.86
1 BR
1 BR
1.01ratio
FMR$1,680
Market$1,660
vs market+$20

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

90% standard$1,512 / 0.91 ratio110% standard$1,848 / 1.11 ratio
1.01
2 BR
2 BR
1.04ratio
FMR$2,050
Market$1,980
vs market+$70

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

90% standard$1,845 / 0.93 ratio110% standard$2,255 / 1.14 ratio
1.04
3 BR
3 BR
1.20ratio
FMR$2,700
Market$2,250
vs market+$450

FMR is above market; underwrite to market rent.

90% standard$2,430 / 1.08 ratio110% standard$2,970 / 1.32 ratio
1.20
4 BR
4 BR
1.16ratio
FMR$2,910
Market$2,510
vs market+$400

FMR is above market; underwrite to market rent.

90% standard$2,619 / 1.04 ratio110% standard$3,201 / 1.28 ratio
1.16
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 32128 (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.

32128 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 32128 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,050 and the 4 bedroom fair market rent is $2,910.

Use this page for searches like 32128 FMR, 32128 fair market rent, and 32128 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 32128
Bedroom sizeHUD FMR
Studio$1,450
1 bedroom$1,680
2 bedroom$2,050
3 bedroom$2,700
4 bedroom$2,910