32778
ZIPSAFMR
Lake County, FL
BRFMR
Eff. Rent
0 BR$1,270$1,270
1 BR$1,340$1,410
2 BR$1,520$1,600
3 BR$1,920$2,020
4 BR$2,320$2,300
5 BR$2,668
6 BR$3,068
7 BR$3,528
8 BR$4,058

Purchase Price Calculator

Maximum purchase price
$175,843

Cost breakdown

+Likely effective rent$1,600
HUD FMR$1,520
Market rent$1,650
Est. payment standard (106%)Used$1,600
Estimated payment standard is $1,600 (106% of FMR).
-Principal and interest-$889
Loan amount$140,674
Down payment$35,169
Rate6.50%
Term30 years
-Operating costs-$511
Property taxes-$176
Insurance-$175
Utilities$0
HOA$0
Management-$160
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,761(73.2% ROI)
Projected value
$189,364
Current value$175,843
Return breakdown
Property appreciation+$13,521
Loan principal paid down+$5,040
Rental cash flow+$7,200
5-year hold
+$44,095(125.4% ROI)
Projected value
$198,950
Current value$175,843
Return breakdown
Property appreciation+$23,107
Loan principal paid down+$8,988
Rental cash flow+$12,000
10-year hold
+$94,667(269.2% ROI)
Projected value
$225,094
Current value$175,843
Return breakdown
Property appreciation+$49,251
Loan principal paid down+$21,416
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
1.00ratio
FMR$1,270
Market$1,270
vs market+$0

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

90% standard$1,143 / 0.90 ratio110% standard$1,397 / 1.10 ratio
1.00
1 BR
1 BR
0.92ratio
FMR$1,340
Market$1,450
vs market-$110

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

90% standard$1,206 / 0.83 ratio110% standard$1,474 / 1.02 ratio
0.92
2 BR
2 BR
0.92ratio
FMR$1,520
Market$1,650
vs market-$130

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

90% standard$1,368 / 0.83 ratio110% standard$1,672 / 1.01 ratio
0.92
3 BR
3 BR
0.93ratio
FMR$1,920
Market$2,070
vs market-$150

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

90% standard$1,728 / 0.83 ratio110% standard$2,112 / 1.02 ratio
0.93
4 BR
4 BR
1.01ratio
FMR$2,320
Market$2,300
vs market+$20

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

90% standard$2,088 / 0.91 ratio110% standard$2,552 / 1.11 ratio
1.01
0.700.800.901.001.101.201.30aligned range

Voucher rents are well-aligned with market rents across all bedroom 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 32778 (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.

32778 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 32778 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,520 and the 4 bedroom fair market rent is $2,320.

Use this page for searches like 32778 FMR, 32778 fair market rent, and 32778 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 32778
Bedroom sizeHUD FMR
Studio$1,270
1 bedroom$1,340
2 bedroom$1,520
3 bedroom$1,920
4 bedroom$2,320