33539
ZIPSAFMR
Pasco County, FL
BRFMR
Eff. Rent
0 BR$1,480$1,140
1 BR$1,580$1,130
2 BR$1,840$1,480
3 BR$2,350$1,910
4 BR$2,860$2,340
5 BR$3,289
6 BR$3,782
7 BR$4,350
8 BR$5,002

Purchase Price Calculator

Maximum purchase price
$158,011

Cost breakdown

+Likely effective rent$1,480
HUD FMR$1,840
Market rentUsed$1,480
Est. payment standard (90%)$1,660
Market rent is below the inferred standard ($1,660, 90% of FMR).
-Principal and interest-$799
Loan amount$126,409
Down payment$31,602
Rate6.50%
Term30 years
-Operating costs-$481
Property taxes-$158
Insurance-$175
Utilities$0
HOA$0
Management-$148
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,878(75.6% ROI)
Projected value
$170,160
Current value$158,011
Return breakdown
Property appreciation+$12,150
Loan principal paid down+$4,529
Rental cash flow+$7,200
5-year hold
+$40,840(129.2% ROI)
Projected value
$178,775
Current value$158,011
Return breakdown
Property appreciation+$20,764
Loan principal paid down+$8,076
Rental cash flow+$12,000
10-year hold
+$87,501(276.9% ROI)
Projected value
$202,267
Current value$158,011
Return breakdown
Property appreciation+$44,256
Loan principal paid down+$19,244
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$1,480
Market$1,140
vs market+$340

FMR is above market; underwrite to market rent.

90% standard$1,332 / 1.17 ratio110% standard$1,628 / 1.43 ratio
1.30
1 BR
1 BR
1.40ratio
FMR$1,580
Market$1,130
vs market+$450

FMR is above market; underwrite to market rent.

90% standard$1,422 / 1.26 ratio110% standard$1,738 / 1.54 ratio
1.40
2 BR
2 BR
1.24ratio
FMR$1,840
Market$1,480
vs market+$360

FMR is above market; underwrite to market rent.

90% standard$1,656 / 1.12 ratio110% standard$2,024 / 1.37 ratio
1.24
3 BR
3 BR
1.23ratio
FMR$2,350
Market$1,910
vs market+$440

FMR is above market; underwrite to market rent.

90% standard$2,115 / 1.11 ratio110% standard$2,585 / 1.35 ratio
1.23
4 BR
4 BR
1.22ratio
FMR$2,860
Market$2,340
vs market+$520

FMR is above market; underwrite to market rent.

90% standard$2,574 / 1.10 ratio110% standard$3,146 / 1.34 ratio
1.22
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across 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 33539 (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.

33539 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 33539 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,840 and the 4 bedroom fair market rent is $2,860.

Use this page for searches like 33539 FMR, 33539 fair market rent, and 33539 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 33539
Bedroom sizeHUD FMR
Studio$1,480
1 bedroom$1,580
2 bedroom$1,840
3 bedroom$2,350
4 bedroom$2,860