32514
ZIPSAFMR
Escambia County, FL
BRFMR
Eff. Rent
0 BR$1,250$1,120
1 BR$1,420$1,190
2 BR$1,660$1,340
3 BR$2,200$1,820
4 BR$2,680$2,240
5 BR$3,082
6 BR$3,544
7 BR$4,076
8 BR$4,687

Purchase Price Calculator

Maximum purchase price
$137,207

Cost breakdown

+Likely effective rent$1,340
HUD FMR$1,660
Market rentUsed$1,340
Est. payment standard (90%)$1,490
Market rent is below the inferred standard ($1,490, 90% of FMR).
-Principal and interest-$694
Loan amount$109,766
Down payment$27,441
Rate6.50%
Term30 years
-Operating costs-$446
Property taxes-$137
Insurance-$175
Utilities$0
HOA$0
Management-$134
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,683(79.0% ROI)
Projected value
$147,757
Current value$137,207
Return breakdown
Property appreciation+$10,550
Loan principal paid down+$3,933
Rental cash flow+$7,200
5-year hold
+$37,043(135.0% ROI)
Projected value
$155,237
Current value$137,207
Return breakdown
Property appreciation+$18,030
Loan principal paid down+$7,013
Rental cash flow+$12,000
10-year hold
+$79,140(288.4% ROI)
Projected value
$175,637
Current value$137,207
Return breakdown
Property appreciation+$38,430
Loan principal paid down+$16,711
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
1.12ratio
FMR$1,250
Market$1,120
vs market+$130

FMR is above market; underwrite to market rent.

90% standard$1,125 / 1.00 ratio110% standard$1,375 / 1.23 ratio
1.12
1 BR
1 BR
1.19ratio
FMR$1,420
Market$1,190
vs market+$230

FMR is above market; underwrite to market rent.

90% standard$1,278 / 1.07 ratio110% standard$1,562 / 1.31 ratio
1.19
2 BR
2 BR
1.24ratio
FMR$1,660
Market$1,340
vs market+$320

FMR is above market; underwrite to market rent.

90% standard$1,494 / 1.11 ratio110% standard$1,826 / 1.36 ratio
1.24
3 BR
3 BR
1.21ratio
FMR$2,200
Market$1,820
vs market+$380

FMR is above market; underwrite to market rent.

90% standard$1,980 / 1.09 ratio110% standard$2,420 / 1.33 ratio
1.21
4 BR
4 BR
1.20ratio
FMR$2,680
Market$2,240
vs market+$440

FMR is above market; underwrite to market rent.

90% standard$2,412 / 1.08 ratio110% standard$2,948 / 1.32 ratio
1.20
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 32514 (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.

32514 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 32514 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,660 and the 4 bedroom fair market rent is $2,680.

Use this page for searches like 32514 FMR, 32514 fair market rent, and 32514 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 32514
Bedroom sizeHUD FMR
Studio$1,250
1 bedroom$1,420
2 bedroom$1,660
3 bedroom$2,200
4 bedroom$2,680