32164
ZIPSAFMR
Flagler County, FL
BRFMR
Eff. Rent
0 BR$1,300$1,390
1 BR$1,460$1,430
2 BR$1,840$1,840
3 BR$2,510$1,850
4 BR$2,850$2,350
5 BR$3,277
6 BR$3,769
7 BR$4,334
8 BR$4,985

Purchase Price Calculator

Maximum purchase price
$211,507

Cost breakdown

+Likely effective rent$1,840
HUD FMRUsed$1,840
Market rentN/A
Est. payment standardN/A
HUD FMR fallback; market rent is unavailable.
-Principal and interest-$1,069
Loan amount$169,205
Down payment$42,301
Rate6.50%
Term30 years
-Operating costs-$571
Property taxes-$212
Insurance-$175
Utilities$0
HOA$0
Management-$184
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,525(69.8% ROI)
Projected value
$227,770
Current value$211,507
Return breakdown
Property appreciation+$16,263
Loan principal paid down+$6,062
Rental cash flow+$7,200
5-year hold
+$50,604(119.6% ROI)
Projected value
$239,300
Current value$211,507
Return breakdown
Property appreciation+$27,794
Loan principal paid down+$10,811
Rental cash flow+$12,000
10-year hold
+$108,999(257.7% ROI)
Projected value
$270,747
Current value$211,507
Return breakdown
Property appreciation+$59,240
Loan principal paid down+$25,760
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
0.90ratio
FMR$1,300
Market$1,440
vs market-$140

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

90% standard$1,170 / 0.81 ratio110% standard$1,430 / 0.99 ratio
0.90
1 BR
1 BR
1.02ratio
FMR$1,460
Market$1,430
vs market+$30

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

90% standard$1,314 / 0.92 ratio110% standard$1,606 / 1.12 ratio
1.02
3 BR
3 BR
1.36ratio
FMR$2,510
Market$1,850
vs market+$660

FMR is above market; underwrite to market rent.

90% standard$2,259 / 1.22 ratio110% standard$2,761 / 1.49 ratio
1.36
4 BR
4 BR
1.21ratio
FMR$2,850
Market$2,350
vs market+$500

FMR is above market; underwrite to market rent.

90% standard$2,565 / 1.09 ratio110% standard$3,135 / 1.33 ratio
1.21
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 32164 (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.

32164 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 32164 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,840 and the 4 bedroom fair market rent is $2,850.

Use this page for searches like 32164 FMR, 32164 fair market rent, and 32164 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 32164
Bedroom sizeHUD FMR
Studio$1,300
1 bedroom$1,460
2 bedroom$1,840
3 bedroom$2,510
4 bedroom$2,850