32712
ZIPSAFMR
Orange County, FL
BRFMR
Eff. Rent
0 BR$1,990$1,890
1 BR$2,090$1,760
2 BR$2,380$1,990
3 BR$2,990$2,210
4 BR$3,530$2,630
5 BR$4,059
6 BR$4,668
7 BR$5,369
8 BR$6,174

Purchase Price Calculator

Maximum purchase price
$233,797

Cost breakdown

+Likely effective rent$1,990
HUD FMR$2,380
Market rentUsed$1,990
Est. payment standard (90%)$2,140
Market rent is below the inferred standard ($2,140, 90% of FMR).
-Principal and interest-$1,182
Loan amount$187,037
Down payment$46,759
Rate6.50%
Term30 years
-Operating costs-$608
Property taxes-$234
Insurance-$175
Utilities$0
HOA$0
Management-$199
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$31,878(68.2% ROI)
Projected value
$251,773
Current value$233,797
Return breakdown
Property appreciation+$17,977
Loan principal paid down+$6,701
Rental cash flow+$7,200
5-year hold
+$54,673(116.9% ROI)
Projected value
$264,519
Current value$233,797
Return breakdown
Property appreciation+$30,723
Loan principal paid down+$11,950
Rental cash flow+$12,000
10-year hold
+$117,957(252.3% ROI)
Projected value
$299,280
Current value$233,797
Return breakdown
Property appreciation+$65,483
Loan principal paid down+$28,474
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
1.05ratio
FMR$1,990
Market$1,890
vs market+$100

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

90% standard$1,791 / 0.95 ratio110% standard$2,189 / 1.16 ratio
1.05
1 BR
1 BR
1.19ratio
FMR$2,090
Market$1,760
vs market+$330

FMR is above market; underwrite to market rent.

90% standard$1,881 / 1.07 ratio110% standard$2,299 / 1.31 ratio
1.19
2 BR
2 BR
1.20ratio
FMR$2,380
Market$1,990
vs market+$390

FMR is above market; underwrite to market rent.

90% standard$2,142 / 1.08 ratio110% standard$2,618 / 1.32 ratio
1.20
3 BR
3 BR
1.35ratio
FMR$2,990
Market$2,210
vs market+$780

FMR is above market; underwrite to market rent.

90% standard$2,691 / 1.22 ratio110% standard$3,289 / 1.49 ratio
1.35
4 BR
4 BR
1.34ratio
FMR$3,530
Market$2,630
vs market+$900

FMR is above market; underwrite to market rent.

90% standard$3,177 / 1.21 ratio110% standard$3,883 / 1.48 ratio
1.34
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 32712 (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.

32712 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 32712 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,380 and the 4 bedroom fair market rent is $3,530.

Use this page for searches like 32712 FMR, 32712 fair market rent, and 32712 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 32712
Bedroom sizeHUD FMR
Studio$1,990
1 bedroom$2,090
2 bedroom$2,380
3 bedroom$2,990
4 bedroom$3,530