33109
ZIPSAFMR
Miami-Dade County, FL
BRFMR
Eff. Rent
0 BR$2,690$2,290
1 BR$2,930$3,220
2 BR$3,580$3,940
3 BR$4,590$5,050
4 BR$5,310$5,840
5 BR$6,106
6 BR$7,022
7 BR$8,076
8 BR$9,287

Purchase Price Calculator

Maximum purchase price
$523,566

Cost breakdown

+Likely effective rent$3,940
HUD FMR$3,580
Market rent$6,960
Est. payment standard (110%)Used$3,940
Estimated payment standard is $3,940 (110% of FMR).
-Principal and interest-$2,647
Loan amount$418,853
Down payment$104,713
Rate6.50%
Term30 years
-Operating costs-$1,093
Property taxes-$524
Insurance-$175
Utilities$0
HOA$0
Management-$394
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$62,464(59.7% ROI)
Projected value
$563,823
Current value$523,566
Return breakdown
Property appreciation+$40,257
Loan principal paid down+$15,006
Rental cash flow+$7,200
5-year hold
+$107,561(102.7% ROI)
Projected value
$592,367
Current value$523,566
Return breakdown
Property appreciation+$68,801
Loan principal paid down+$26,761
Rental cash flow+$12,000
10-year hold
+$234,408(223.9% ROI)
Projected value
$670,209
Current value$523,566
Return breakdown
Property appreciation+$146,643
Loan principal paid down+$63,766
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
1.17ratio
FMR$2,690
Market$2,290
vs market+$400

FMR is above market; underwrite to market rent.

90% standard$2,421 / 1.06 ratio110% standard$2,959 / 1.29 ratio
1.17
1 BR
1 BR
0.63ratio
FMR$2,930
Market$4,630
vs market-$1,700

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

90% standard$2,637 / 0.57 ratio110% standard$3,223 / 0.70 ratio
0.63
2 BR
2 BR
0.51ratio
FMR$3,580
Market$6,960
vs market-$3,380

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

0.51
3 BR
3 BR
0.37ratio
FMR$4,590
Market$12,430
vs market-$7,840

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

0.37
4 BR
4 BR
0.35ratio
FMR$5,310
Market$15,090
vs market-$9,780

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

0.35
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 33109 (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.

33109 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 33109 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,580 and the 4 bedroom fair market rent is $5,310.

Use this page for searches like 33109 FMR, 33109 fair market rent, and 33109 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 33109
Bedroom sizeHUD FMR
Studio$2,690
1 bedroom$2,930
2 bedroom$3,580
3 bedroom$4,590
4 bedroom$5,310