33043
ZIPSAFMR
Monroe County, FL
BRFMR
Eff. Rent
0 BR$1,730$1,900
1 BR$2,220$2,440
2 BR$2,510$2,760
3 BR$3,310$3,640
4 BR$3,320$3,650
5 BR$3,818
6 BR$4,391
7 BR$5,049
8 BR$5,807

Purchase Price Calculator

Maximum purchase price
$348,218

Cost breakdown

+Likely effective rent$2,760
HUD FMR$2,510
Market rent$4,520
Est. payment standard (110%)Used$2,760
Estimated payment standard is $2,760 (110% of FMR).
-Principal and interest-$1,761
Loan amount$278,575
Down payment$69,644
Rate6.50%
Term30 years
-Operating costs-$799
Property taxes-$348
Insurance-$175
Utilities$0
HOA$0
Management-$276
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$43,955(63.1% ROI)
Projected value
$374,993
Current value$348,218
Return breakdown
Property appreciation+$26,775
Loan principal paid down+$9,981
Rental cash flow+$7,200
5-year hold
+$75,557(108.5% ROI)
Projected value
$393,977
Current value$348,218
Return breakdown
Property appreciation+$45,759
Loan principal paid down+$17,798
Rental cash flow+$12,000
10-year hold
+$163,940(235.4% ROI)
Projected value
$445,749
Current value$348,218
Return breakdown
Property appreciation+$97,531
Loan principal paid down+$42,410
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
0.45ratio
FMR$1,730
Market$3,860
vs market-$2,130

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

0.45
1 BR
1 BR
0.56ratio
FMR$2,220
Market$3,990
vs market-$1,770

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

90% standard$1,998 / 0.50 ratio110% standard$2,442 / 0.61 ratio
0.56
2 BR
2 BR
0.56ratio
FMR$2,510
Market$4,520
vs market-$2,010

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

90% standard$2,259 / 0.50 ratio110% standard$2,761 / 0.61 ratio
0.56
3 BR
3 BR
0.73ratio
FMR$3,310
Market$4,530
vs market-$1,220

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

90% standard$2,979 / 0.66 ratio110% standard$3,641 / 0.80 ratio
0.73
4 BR
4 BR
0.65ratio
FMR$3,320
Market$5,140
vs market-$1,820

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

90% standard$2,988 / 0.58 ratio110% standard$3,652 / 0.71 ratio
0.65
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for 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 33043 (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.

33043 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 33043 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,510 and the 4 bedroom fair market rent is $3,320.

Use this page for searches like 33043 FMR, 33043 fair market rent, and 33043 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 33043
Bedroom sizeHUD FMR
Studio$1,730
1 bedroom$2,220
2 bedroom$2,510
3 bedroom$3,310
4 bedroom$3,320