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Alachua County/High Springs/32643

32643

ZIPSAFMR
Alachua County, FL
Zillow

ZIP Investment Score

89Below average

095130300
BRFMR
Eff. Rent
0 BR$1,500$1,650
1 BR$1,550$1,710
2 BR$1,840$1,830
3 BR$2,260$1,950
4 BR$2,420$2,090
5 BR$2,783Not available
6 BR$3,200Not available
7 BR$3,681Not available
8 BR$4,233Not available

Purchase Price Calculator

Maximum purchase price
$210,021

Cost breakdown

+Likely effective rent$1,830
HUD FMR$1,840
Market rentUsed$1,830
Est. payment standard (100%)$1,830
-Principal and interest-$1,062
Loan amount$168,017
Down payment$42,004
Rate6.50%
Term30 years
-Operating costs-$568
Property taxes-$210
Insurance-$175
Utilities$0
HOA$0
Management-$183
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,368(69.9% ROI)
Projected value
$226,169
Return breakdown
Property appreciation+$16,149
Loan principal paid down+$6,020
Rental cash flow+$7,200
5-year hold
+$50,333(119.8% ROI)
Projected value
$237,619
Return breakdown
Property appreciation+$27,598
Loan principal paid down+$10,735
Rental cash flow+$12,000
10-year hold
+$108,402(258.1% ROI)
Projected value
$268,844
Return breakdown
Property appreciation+$58,824
Loan principal paid down+$25,579
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.84
1 BR
0.86
2 BR
1.01
3 BR
1.16
4 BR
1.16
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 32643 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 32643 (High Springs, FL) is $1,840 a month. That is up 17.9% from $1,560 in FY 2026. High Springs is in the Gainesville, FL HUD Metro FMR Area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $1,471. Among 32 ZIP codes in Alachua County, 32643 has the 3rd-highest two-bedroom rent (county range $990–$1,870). The median county two-bedroom FMR in Florida is $1,474, so ZIP 32643 is 25% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 32643
BedroomsFY 2027Change90–110% range
Studio$1,500+24.0%$1,350–$1,650
1BR$1,550+19.2%$1,395–$1,705
2BR$1,840+17.9%$1,656–$2,024
3BR$2,260+15.9%$2,034–$2,486
4BR$2,420+16.9%$2,178–$2,662

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 32643
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,500$1,550$1,840$2,260$2,420
FY 2026$1,210$1,300$1,560$1,950$2,070
FY 2025$1,040$1,160$1,400$1,780$1,860
FY 2024$890$980$1,180$1,550$1,570
FY 2023$750$820$990$1,320$1,330

Two-bedroom rent in nearby Alachua County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 32643
32622$1,350−26.6%
32627$1,480−19.6%
32631$1,350−26.6%
32633$1,480−19.6%
32635$1,480−19.6%
32640$1,350−26.6%
32641$1,350−26.6%
32643Current$1,840—
32653$1,350−26.6%
32655$1,480−19.6%
32658$1,390−24.5%
32666$990−46.2%

Questions about ZIP 32643 rents

How much will Section 8 pay for a two-bedroom in ZIP 32643?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,471, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,324 to $1,618 a month; under the ZIP-level Small Area FMR of $1,840 it would be $1,656 to $2,024. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 32643 in?

ZIP 32643 is in the Gainesville, FL HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,471.

How much did fair market rent change in ZIP 32643 for FY 2027?

The two-bedroom FMR rose 17.9%, from $1,560 in FY 2026 to $1,840 in FY 2027. Since FY 2023 it has risen 85.9%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentHigh Springs, FL fair market rentFL statewide rentsWhat is SAFMR?Data sources