32208
ZIPSAFMR
Duval County, FL
BRFMR
Eff. Rent
0 BR$1,180$910
1 BR$1,210$990
2 BR$1,450$1,140
3 BR$1,790$1,560
4 BR$2,240$1,530
5 BR$2,576
6 BR$2,962
7 BR$3,407
8 BR$3,918

Purchase Price Calculator

Maximum purchase price
$107,487

Cost breakdown

+Likely effective rent$1,140
HUD FMR$1,450
Market rentUsed$1,140
Est. payment standard (90%)$1,310
Market rent is below the inferred standard ($1,310, 90% of FMR).
-Principal and interest-$544
Loan amount$85,990
Down payment$21,497
Rate6.50%
Term30 years
-Operating costs-$396
Property taxes-$107
Insurance-$175
Utilities$0
HOA$0
Management-$114
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$18,546(86.3% ROI)
Projected value
$115,752
Current value$107,487
Return breakdown
Property appreciation+$8,265
Loan principal paid down+$3,081
Rental cash flow+$7,200
5-year hold
+$31,619(147.1% ROI)
Projected value
$121,612
Current value$107,487
Return breakdown
Property appreciation+$14,125
Loan principal paid down+$5,494
Rental cash flow+$12,000
10-year hold
+$67,196(312.6% ROI)
Projected value
$137,592
Current value$107,487
Return breakdown
Property appreciation+$30,105
Loan principal paid down+$13,091
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
1.30ratio
FMR$1,180
Market$910
vs market+$270

FMR is above market; underwrite to market rent.

90% standard$1,062 / 1.17 ratio110% standard$1,298 / 1.43 ratio
1.30
1 BR
1 BR
1.22ratio
FMR$1,210
Market$990
vs market+$220

FMR is above market; underwrite to market rent.

90% standard$1,089 / 1.10 ratio110% standard$1,331 / 1.34 ratio
1.22
2 BR
2 BR
1.27ratio
FMR$1,450
Market$1,140
vs market+$310

FMR is above market; underwrite to market rent.

90% standard$1,305 / 1.14 ratio110% standard$1,595 / 1.40 ratio
1.27
3 BR
3 BR
1.15ratio
FMR$1,790
Market$1,560
vs market+$230

FMR is above market; underwrite to market rent.

90% standard$1,611 / 1.03 ratio110% standard$1,969 / 1.26 ratio
1.15
4 BR
4 BR
1.46ratio
FMR$2,240
Market$1,530
vs market+$710

FMR is above market; underwrite to market rent.

90% standard$2,016 / 1.32 ratio110% standard$2,464 / 1.61 ratio
1.46
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom 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 32208 (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.

32208 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 32208 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,450 and the 4 bedroom fair market rent is $2,240.

Use this page for searches like 32208 FMR, 32208 fair market rent, and 32208 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 32208
Bedroom sizeHUD FMR
Studio$1,180
1 bedroom$1,210
2 bedroom$1,450
3 bedroom$1,790
4 bedroom$2,240