32605
ZIPSAFMR
Alachua County, FL
BRFMR
Eff. Rent
0 BR$1,350$1,080
1 BR$1,460$1,270
2 BR$1,750$1,540
3 BR$2,190$2,060
4 BR$2,320$2,550
5 BR$2,668
6 BR$3,068
7 BR$3,528
8 BR$4,058

Purchase Price Calculator

Maximum purchase price
$166,927

Cost breakdown

+Likely effective rent$1,540
HUD FMR$1,750
Market rentUsed$1,540
Est. payment standard (92%)$1,610
Market rent is below the inferred standard ($1,610, 92% of FMR).
-Principal and interest-$844
Loan amount$133,542
Down payment$33,385
Rate6.50%
Term30 years
-Operating costs-$496
Property taxes-$167
Insurance-$175
Utilities$0
HOA$0
Management-$154
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,820(74.3% ROI)
Projected value
$179,762
Current value$166,927
Return breakdown
Property appreciation+$12,835
Loan principal paid down+$4,784
Rental cash flow+$7,200
5-year hold
+$42,468(127.2% ROI)
Projected value
$188,862
Current value$166,927
Return breakdown
Property appreciation+$21,936
Loan principal paid down+$8,532
Rental cash flow+$12,000
10-year hold
+$91,084(272.8% ROI)
Projected value
$213,681
Current value$166,927
Return breakdown
Property appreciation+$46,754
Loan principal paid down+$20,330
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
1.25ratio
FMR$1,350
Market$1,080
vs market+$270

FMR is above market; underwrite to market rent.

90% standard$1,215 / 1.13 ratio110% standard$1,485 / 1.38 ratio
1.25
1 BR
1 BR
1.15ratio
FMR$1,460
Market$1,270
vs market+$190

FMR is above market; underwrite to market rent.

90% standard$1,314 / 1.03 ratio110% standard$1,606 / 1.26 ratio
1.15
2 BR
2 BR
1.14ratio
FMR$1,750
Market$1,540
vs market+$210

FMR is above market; underwrite to market rent.

90% standard$1,575 / 1.02 ratio110% standard$1,925 / 1.25 ratio
1.14
3 BR
3 BR
1.06ratio
FMR$2,190
Market$2,060
vs market+$130

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

90% standard$1,971 / 0.96 ratio110% standard$2,409 / 1.17 ratio
1.06
4 BR
4 BR
0.83ratio
FMR$2,320
Market$2,810
vs market-$490

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

90% standard$2,088 / 0.74 ratio110% standard$2,552 / 0.91 ratio
0.83
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 32605 (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.

32605 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 32605 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,750 and the 4 bedroom fair market rent is $2,320.

Use this page for searches like 32605 FMR, 32605 fair market rent, and 32605 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 32605
Bedroom sizeHUD FMR
Studio$1,350
1 bedroom$1,460
2 bedroom$1,750
3 bedroom$2,190
4 bedroom$2,320