32569
ZIPSAFMR
Santa Rosa County, FL
BRFMR
Eff. Rent
0 BR$1,300$1,330
1 BR$1,510$1,380
2 BR$1,710$1,580
3 BR$2,350$2,070
4 BR$2,850$2,660
5 BR$3,277
6 BR$3,769
7 BR$4,334
8 BR$4,985

Purchase Price Calculator

Maximum purchase price
$172,871

Cost breakdown

+Likely effective rent$1,580
HUD FMR$1,710
Market rentUsed$1,580
Est. payment standard (95%)$1,630
Market rent is below the inferred standard ($1,630, 95% of FMR).
-Principal and interest-$874
Loan amount$138,297
Down payment$34,574
Rate6.50%
Term30 years
-Operating costs-$506
Property taxes-$173
Insurance-$175
Utilities$0
HOA$0
Management-$158
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,447(73.6% ROI)
Projected value
$186,163
Current value$172,871
Return breakdown
Property appreciation+$13,292
Loan principal paid down+$4,955
Rental cash flow+$7,200
5-year hold
+$43,552(126.0% ROI)
Projected value
$195,588
Current value$172,871
Return breakdown
Property appreciation+$22,717
Loan principal paid down+$8,836
Rental cash flow+$12,000
10-year hold
+$93,473(270.4% ROI)
Projected value
$221,289
Current value$172,871
Return breakdown
Property appreciation+$48,418
Loan principal paid down+$21,054
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
0.96ratio
FMR$1,300
Market$1,350
vs market-$50

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

90% standard$1,170 / 0.87 ratio110% standard$1,430 / 1.06 ratio
0.96
1 BR
1 BR
1.09ratio
FMR$1,510
Market$1,380
vs market+$130

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

90% standard$1,359 / 0.98 ratio110% standard$1,661 / 1.20 ratio
1.09
2 BR
2 BR
1.08ratio
FMR$1,710
Market$1,580
vs market+$130

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

90% standard$1,539 / 0.97 ratio110% standard$1,881 / 1.19 ratio
1.08
3 BR
3 BR
1.14ratio
FMR$2,350
Market$2,070
vs market+$280

FMR is above market; underwrite to market rent.

90% standard$2,115 / 1.02 ratio110% standard$2,585 / 1.25 ratio
1.14
4 BR
4 BR
1.07ratio
FMR$2,850
Market$2,660
vs market+$190

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

90% standard$2,565 / 0.96 ratio110% standard$3,135 / 1.18 ratio
1.07
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 32569 (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.

32569 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 32569 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,710 and the 4 bedroom fair market rent is $2,850.

Use this page for searches like 32569 FMR, 32569 fair market rent, and 32569 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 32569
Bedroom sizeHUD FMR
Studio$1,300
1 bedroom$1,510
2 bedroom$1,710
3 bedroom$2,350
4 bedroom$2,850