32174
ZIPSAFMR
Flagler County, FL
BRFMR
Eff. Rent
0 BR$1,200$1,320
1 BR$1,310$1,440
2 BR$1,610$1,610
3 BR$2,120$2,170
4 BR$2,440$2,560
5 BR$2,806
6 BR$3,227
7 BR$3,711
8 BR$4,268

Purchase Price Calculator

Maximum purchase price
$177,329

Cost breakdown

+Likely effective rent$1,610
HUD FMRUsed$1,610
Market rentN/A
Est. payment standardN/A
HUD FMR fallback; market rent is unavailable.
-Principal and interest-$897
Loan amount$141,863
Down payment$35,466
Rate6.50%
Term30 years
-Operating costs-$513
Property taxes-$177
Insurance-$175
Utilities$0
HOA$0
Management-$161
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,918(73.1% ROI)
Projected value
$190,964
Current value$177,329
Return breakdown
Property appreciation+$13,635
Loan principal paid down+$5,083
Rental cash flow+$7,200
5-year hold
+$44,366(125.1% ROI)
Projected value
$200,631
Current value$177,329
Return breakdown
Property appreciation+$23,302
Loan principal paid down+$9,064
Rental cash flow+$12,000
10-year hold
+$95,264(268.6% ROI)
Projected value
$226,996
Current value$177,329
Return breakdown
Property appreciation+$49,667
Loan principal paid down+$21,597
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
0.69ratio
FMR$1,200
Market$1,730
vs market-$530

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

90% standard$1,080 / 0.62 ratio110% standard$1,320 / 0.76 ratio
0.69
1 BR
1 BR
0.67ratio
FMR$1,310
Market$1,960
vs market-$650

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

90% standard$1,179 / 0.60 ratio110% standard$1,441 / 0.74 ratio
0.67
3 BR
3 BR
0.96ratio
FMR$2,120
Market$2,200
vs market-$80

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

90% standard$1,908 / 0.87 ratio110% standard$2,332 / 1.06 ratio
0.96
4 BR
4 BR
0.93ratio
FMR$2,440
Market$2,630
vs market-$190

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

90% standard$2,196 / 0.83 ratio110% standard$2,684 / 1.02 ratio
0.93
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 32174 (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.

32174 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 32174 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,610 and the 4 bedroom fair market rent is $2,440.

Use this page for searches like 32174 FMR, 32174 fair market rent, and 32174 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 32174
Bedroom sizeHUD FMR
Studio$1,200
1 bedroom$1,310
2 bedroom$1,610
3 bedroom$2,120
4 bedroom$2,440