32223
ZIPSAFMR
Duval County, FL
BRFMR
Eff. Rent
0 BR$1,470$1,320
1 BR$1,500$1,440
2 BR$1,800$1,690
3 BR$2,220$2,050
4 BR$2,780$2,570
5 BR$3,197
6 BR$3,677
7 BR$4,228
8 BR$4,862

Purchase Price Calculator

Maximum purchase price
$189,217

Cost breakdown

+Likely effective rent$1,690
HUD FMR$1,800
Market rentUsed$1,690
Est. payment standard (96%)$1,730
Market rent is below the inferred standard ($1,730, 96% of FMR).
-Principal and interest-$957
Loan amount$151,373
Down payment$37,843
Rate6.50%
Term30 years
-Operating costs-$533
Property taxes-$189
Insurance-$175
Utilities$0
HOA$0
Management-$169
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,172(71.8% ROI)
Projected value
$203,766
Current value$189,217
Return breakdown
Property appreciation+$14,549
Loan principal paid down+$5,423
Rental cash flow+$7,200
5-year hold
+$46,536(123.0% ROI)
Projected value
$214,081
Current value$189,217
Return breakdown
Property appreciation+$24,865
Loan principal paid down+$9,671
Rental cash flow+$12,000
10-year hold
+$100,042(264.4% ROI)
Projected value
$242,214
Current value$189,217
Return breakdown
Property appreciation+$52,997
Loan principal paid down+$23,045
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
1.11ratio
FMR$1,470
Market$1,320
vs market+$150

FMR is above market; underwrite to market rent.

90% standard$1,323 / 1.00 ratio110% standard$1,617 / 1.23 ratio
1.11
1 BR
1 BR
1.04ratio
FMR$1,500
Market$1,440
vs market+$60

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

90% standard$1,350 / 0.94 ratio110% standard$1,650 / 1.15 ratio
1.04
2 BR
2 BR
1.07ratio
FMR$1,800
Market$1,690
vs market+$110

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

90% standard$1,620 / 0.96 ratio110% standard$1,980 / 1.17 ratio
1.07
3 BR
3 BR
1.08ratio
FMR$2,220
Market$2,050
vs market+$170

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

90% standard$1,998 / 0.97 ratio110% standard$2,442 / 1.19 ratio
1.08
4 BR
4 BR
1.08ratio
FMR$2,780
Market$2,570
vs market+$210

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

90% standard$2,502 / 0.97 ratio110% standard$3,058 / 1.19 ratio
1.08
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 32223 (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.

32223 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 32223 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,800 and the 4 bedroom fair market rent is $2,780.

Use this page for searches like 32223 FMR, 32223 fair market rent, and 32223 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 32223
Bedroom sizeHUD FMR
Studio$1,470
1 bedroom$1,500
2 bedroom$1,800
3 bedroom$2,220
4 bedroom$2,780