32818
ZIPSAFMR
Orange County, FL
BRFMR
Eff. Rent
0 BR$1,470$1,610
1 BR$1,540$1,570
2 BR$1,760$1,860
3 BR$2,210$2,220
4 BR$2,610$2,590
5 BR$3,001
6 BR$3,452
7 BR$3,969
8 BR$4,565

Purchase Price Calculator

Maximum purchase price
$214,479

Cost breakdown

+Likely effective rent$1,860
HUD FMR$1,760
Market rent$1,910
Est. payment standard (106%)Used$1,860
Estimated payment standard is $1,860 (106% of FMR).
-Principal and interest-$1,085
Loan amount$171,583
Down payment$42,896
Rate6.50%
Term30 years
-Operating costs-$575
Property taxes-$214
Insurance-$175
Utilities$0
HOA$0
Management-$186
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,839(69.6% ROI)
Projected value
$230,970
Current value$214,479
Return breakdown
Property appreciation+$16,491
Loan principal paid down+$6,147
Rental cash flow+$7,200
5-year hold
+$51,147(119.2% ROI)
Projected value
$242,663
Current value$214,479
Return breakdown
Property appreciation+$28,184
Loan principal paid down+$10,962
Rental cash flow+$12,000
10-year hold
+$110,194(256.9% ROI)
Projected value
$274,551
Current value$214,479
Return breakdown
Property appreciation+$60,072
Loan principal paid down+$26,122
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
0.88ratio
FMR$1,470
Market$1,680
vs market-$210

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

90% standard$1,323 / 0.79 ratio110% standard$1,617 / 0.96 ratio
0.88
1 BR
1 BR
0.97ratio
FMR$1,540
Market$1,580
vs market-$40

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

90% standard$1,386 / 0.88 ratio110% standard$1,694 / 1.07 ratio
0.97
2 BR
2 BR
0.92ratio
FMR$1,760
Market$1,910
vs market-$150

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

90% standard$1,584 / 0.83 ratio110% standard$1,936 / 1.01 ratio
0.92
3 BR
3 BR
1.00ratio
FMR$2,210
Market$2,220
vs market-$10

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

90% standard$1,989 / 0.90 ratio110% standard$2,431 / 1.10 ratio
1.00
4 BR
4 BR
1.01ratio
FMR$2,610
Market$2,590
vs market+$20

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

90% standard$2,349 / 0.91 ratio110% standard$2,871 / 1.11 ratio
1.01
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 32818 (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.

32818 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 32818 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,760 and the 4 bedroom fair market rent is $2,610.

Use this page for searches like 32818 FMR, 32818 fair market rent, and 32818 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 32818
Bedroom sizeHUD FMR
Studio$1,470
1 bedroom$1,540
2 bedroom$1,760
3 bedroom$2,210
4 bedroom$2,610