32859
ZIPSAFMR
Orange County, FL
BRFMR
Eff. Rent
0 BR$1,670$1,280
1 BR$1,760$1,270
2 BR$2,000$1,930
3 BR$2,510$2,220
4 BR$2,970$2,440
5 BR$3,415
6 BR$3,928
7 BR$4,517
8 BR$5,195

Purchase Price Calculator

Maximum purchase price
$224,881

Cost breakdown

+Likely effective rent$1,930
HUD FMR$2,000
Market rentUsed$1,930
Est. payment standard (98%)$1,950
Market rent is below the inferred standard ($1,950, 98% of FMR).
-Principal and interest-$1,137
Loan amount$179,905
Down payment$44,976
Rate6.50%
Term30 years
-Operating costs-$593
Property taxes-$225
Insurance-$175
Utilities$0
HOA$0
Management-$193
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,937(68.8% ROI)
Projected value
$242,172
Current value$224,881
Return breakdown
Property appreciation+$17,291
Loan principal paid down+$6,446
Rental cash flow+$7,200
5-year hold
+$53,045(117.9% ROI)
Projected value
$254,432
Current value$224,881
Return breakdown
Property appreciation+$29,551
Loan principal paid down+$11,494
Rental cash flow+$12,000
10-year hold
+$114,374(254.3% ROI)
Projected value
$287,866
Current value$224,881
Return breakdown
Property appreciation+$62,986
Loan principal paid down+$27,388
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
1.30ratio
FMR$1,670
Market$1,280
vs market+$390

FMR is above market; underwrite to market rent.

90% standard$1,503 / 1.17 ratio110% standard$1,837 / 1.44 ratio
1.30
1 BR
1 BR
1.39ratio
FMR$1,760
Market$1,270
vs market+$490

FMR is above market; underwrite to market rent.

90% standard$1,584 / 1.25 ratio110% standard$1,936 / 1.52 ratio
1.39
2 BR
2 BR
1.04ratio
FMR$2,000
Market$1,930
vs market+$70

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

90% standard$1,800 / 0.93 ratio110% standard$2,200 / 1.14 ratio
1.04
3 BR
3 BR
1.13ratio
FMR$2,510
Market$2,220
vs market+$290

FMR is above market; underwrite to market rent.

90% standard$2,259 / 1.02 ratio110% standard$2,761 / 1.24 ratio
1.13
4 BR
4 BR
1.22ratio
FMR$2,970
Market$2,440
vs market+$530

FMR is above market; underwrite to market rent.

90% standard$2,673 / 1.10 ratio110% standard$3,267 / 1.34 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 32859 (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.

32859 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 32859 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,000 and the 4 bedroom fair market rent is $2,970.

Use this page for searches like 32859 FMR, 32859 fair market rent, and 32859 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 32859
Bedroom sizeHUD FMR
Studio$1,670
1 bedroom$1,760
2 bedroom$2,000
3 bedroom$2,510
4 bedroom$2,970