33070
ZIPSAFMR
Monroe County, FL
BRFMR
Eff. Rent
0 BR$1,610$1,770
1 BR$2,060$2,270
2 BR$2,330$2,560
3 BR$3,070$3,380
4 BR$3,080$3,390
5 BR$3,542
6 BR$4,073
7 BR$4,684
8 BR$5,387

Purchase Price Calculator

Maximum purchase price
$318,498

Cost breakdown

+Likely effective rent$2,560
HUD FMR$2,330
Market rent$3,320
Est. payment standard (110%)Used$2,560
Estimated payment standard is $2,560 (110% of FMR).
-Principal and interest-$1,611
Loan amount$254,799
Down payment$63,700
Rate6.50%
Term30 years
-Operating costs-$749
Property taxes-$318
Insurance-$175
Utilities$0
HOA$0
Management-$256
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$40,818(64.1% ROI)
Projected value
$342,988
Current value$318,498
Return breakdown
Property appreciation+$24,490
Loan principal paid down+$9,129
Rental cash flow+$7,200
5-year hold
+$70,132(110.1% ROI)
Projected value
$360,352
Current value$318,498
Return breakdown
Property appreciation+$41,853
Loan principal paid down+$16,279
Rental cash flow+$12,000
10-year hold
+$151,997(238.6% ROI)
Projected value
$407,705
Current value$318,498
Return breakdown
Property appreciation+$89,206
Loan principal paid down+$38,790
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
0.59ratio
FMR$1,610
Market$2,730
vs market-$1,120

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

90% standard$1,449 / 0.53 ratio110% standard$1,771 / 0.65 ratio
0.59
1 BR
1 BR
0.68ratio
FMR$2,060
Market$3,040
vs market-$980

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

90% standard$1,854 / 0.61 ratio110% standard$2,266 / 0.75 ratio
0.68
2 BR
2 BR
0.70ratio
FMR$2,330
Market$3,320
vs market-$990

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

90% standard$2,097 / 0.63 ratio110% standard$2,563 / 0.77 ratio
0.70
3 BR
3 BR
0.72ratio
FMR$3,070
Market$4,250
vs market-$1,180

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

90% standard$2,763 / 0.65 ratio110% standard$3,377 / 0.79 ratio
0.72
4 BR
4 BR
0.53ratio
FMR$3,080
Market$5,770
vs market-$2,690

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

0.53
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 33070 (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.

33070 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 33070 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,330 and the 4 bedroom fair market rent is $3,080.

Use this page for searches like 33070 FMR, 33070 fair market rent, and 33070 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 33070
Bedroom sizeHUD FMR
Studio$1,610
1 bedroom$2,060
2 bedroom$2,330
3 bedroom$3,070
4 bedroom$3,080