32738
ZIPSAFMR
Volusia County, FL
BRFMR
Eff. Rent
0 BR$1,330$1,260
1 BR$1,520$1,330
2 BR$1,870$1,640
3 BR$2,460$1,880
4 BR$2,670$2,180
5 BR$3,070
6 BR$3,531
7 BR$4,061
8 BR$4,670

Purchase Price Calculator

Maximum purchase price
$181,787

Cost breakdown

+Likely effective rent$1,640
HUD FMR$1,870
Market rentUsed$1,640
Est. payment standard (92%)$1,720
Market rent is below the inferred standard ($1,720, 92% of FMR).
-Principal and interest-$919
Loan amount$145,429
Down payment$36,357
Rate6.50%
Term30 years
-Operating costs-$521
Property taxes-$182
Insurance-$175
Utilities$0
HOA$0
Management-$164
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,388(72.6% ROI)
Projected value
$195,765
Current value$181,787
Return breakdown
Property appreciation+$13,978
Loan principal paid down+$5,210
Rental cash flow+$7,200
5-year hold
+$45,180(124.3% ROI)
Projected value
$205,675
Current value$181,787
Return breakdown
Property appreciation+$23,888
Loan principal paid down+$9,292
Rental cash flow+$12,000
10-year hold
+$97,056(266.9% ROI)
Projected value
$232,703
Current value$181,787
Return breakdown
Property appreciation+$50,916
Loan principal paid down+$22,140
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
1.06ratio
FMR$1,330
Market$1,260
vs market+$70

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

90% standard$1,197 / 0.95 ratio110% standard$1,463 / 1.16 ratio
1.06
1 BR
1 BR
1.14ratio
FMR$1,520
Market$1,330
vs market+$190

FMR is above market; underwrite to market rent.

90% standard$1,368 / 1.03 ratio110% standard$1,672 / 1.26 ratio
1.14
2 BR
2 BR
1.14ratio
FMR$1,870
Market$1,640
vs market+$230

FMR is above market; underwrite to market rent.

90% standard$1,683 / 1.03 ratio110% standard$2,057 / 1.25 ratio
1.14
3 BR
3 BR
1.31ratio
FMR$2,460
Market$1,880
vs market+$580

FMR is above market; underwrite to market rent.

90% standard$2,214 / 1.18 ratio110% standard$2,706 / 1.44 ratio
1.31
4 BR
4 BR
1.22ratio
FMR$2,670
Market$2,180
vs market+$490

FMR is above market; underwrite to market rent.

90% standard$2,403 / 1.10 ratio110% standard$2,937 / 1.35 ratio
1.22
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 32738 (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.

32738 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 32738 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,870 and the 4 bedroom fair market rent is $2,670.

Use this page for searches like 32738 FMR, 32738 fair market rent, and 32738 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 32738
Bedroom sizeHUD FMR
Studio$1,330
1 bedroom$1,520
2 bedroom$1,870
3 bedroom$2,460
4 bedroom$2,670