32158
ZIPSAFMR
Lake County, FL
BRFMR
Eff. Rent
0 BR$1,440$1,510
1 BR$1,510$1,650
2 BR$1,720$1,720
3 BR$2,160$2,140
4 BR$2,550$2,480
5 BR$2,933
6 BR$3,372
7 BR$3,878
8 BR$4,460

Purchase Price Calculator

Maximum purchase price
$193,675

Cost breakdown

+Likely effective rent$1,720
HUD FMRUsed$1,720
Market rentN/A
Est. payment standardN/A
HUD FMR fallback; market rent is unavailable.
-Principal and interest-$979
Loan amount$154,940
Down payment$38,735
Rate6.50%
Term30 years
-Operating costs-$541
Property taxes-$194
Insurance-$175
Utilities$0
HOA$0
Management-$172
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,643(71.4% ROI)
Projected value
$208,567
Current value$193,675
Return breakdown
Property appreciation+$14,892
Loan principal paid down+$5,551
Rental cash flow+$7,200
5-year hold
+$47,350(122.2% ROI)
Projected value
$219,125
Current value$193,675
Return breakdown
Property appreciation+$25,450
Loan principal paid down+$9,899
Rental cash flow+$12,000
10-year hold
+$101,833(262.9% ROI)
Projected value
$247,920
Current value$193,675
Return breakdown
Property appreciation+$54,245
Loan principal paid down+$23,588
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
0.94ratio
FMR$1,440
Market$1,540
vs market-$100

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

90% standard$1,296 / 0.84 ratio110% standard$1,584 / 1.03 ratio
0.94
1 BR
1 BR
0.87ratio
FMR$1,510
Market$1,730
vs market-$220

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

90% standard$1,359 / 0.79 ratio110% standard$1,661 / 0.96 ratio
0.87
3 BR
3 BR
1.01ratio
FMR$2,160
Market$2,140
vs market+$20

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

90% standard$1,944 / 0.91 ratio110% standard$2,376 / 1.11 ratio
1.01
4 BR
4 BR
1.03ratio
FMR$2,550
Market$2,480
vs market+$70

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

90% standard$2,295 / 0.93 ratio110% standard$2,805 / 1.13 ratio
1.03
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 32158 (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.

32158 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 32158 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,720 and the 4 bedroom fair market rent is $2,550.

Use this page for searches like 32158 FMR, 32158 fair market rent, and 32158 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 32158
Bedroom sizeHUD FMR
Studio$1,440
1 bedroom$1,510
2 bedroom$1,720
3 bedroom$2,160
4 bedroom$2,550