33712
ZIPSAFMR
Pinellas County, FL
BRFMR
Eff. Rent
0 BR$1,530$1,510
1 BR$1,640$1,430
2 BR$1,920$1,840
3 BR$2,460$2,470
4 BR$2,990$2,780
5 BR$3,438
6 BR$3,954
7 BR$4,547
8 BR$5,230

Purchase Price Calculator

Maximum purchase price
$211,507

Cost breakdown

+Likely effective rent$1,840
HUD FMR$1,920
Market rentUsed$1,840
Est. payment standard (97%)$1,870
Market rent is below the inferred standard ($1,870, 97% of FMR).
-Principal and interest-$1,069
Loan amount$169,205
Down payment$42,301
Rate6.50%
Term30 years
-Operating costs-$571
Property taxes-$212
Insurance-$175
Utilities$0
HOA$0
Management-$184
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,525(69.8% ROI)
Projected value
$227,770
Current value$211,507
Return breakdown
Property appreciation+$16,263
Loan principal paid down+$6,062
Rental cash flow+$7,200
5-year hold
+$50,604(119.6% ROI)
Projected value
$239,300
Current value$211,507
Return breakdown
Property appreciation+$27,794
Loan principal paid down+$10,811
Rental cash flow+$12,000
10-year hold
+$108,999(257.7% ROI)
Projected value
$270,747
Current value$211,507
Return breakdown
Property appreciation+$59,240
Loan principal paid down+$25,760
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
1.01ratio
FMR$1,530
Market$1,510
vs market+$20

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

90% standard$1,377 / 0.91 ratio110% standard$1,683 / 1.11 ratio
1.01
1 BR
1 BR
1.15ratio
FMR$1,640
Market$1,430
vs market+$210

FMR is above market; underwrite to market rent.

90% standard$1,476 / 1.03 ratio110% standard$1,804 / 1.26 ratio
1.15
2 BR
2 BR
1.04ratio
FMR$1,920
Market$1,840
vs market+$80

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

90% standard$1,728 / 0.94 ratio110% standard$2,112 / 1.15 ratio
1.04
3 BR
3 BR
1.00ratio
FMR$2,460
Market$2,470
vs market-$10

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

90% standard$2,214 / 0.90 ratio110% standard$2,706 / 1.10 ratio
1.00
4 BR
4 BR
1.08ratio
FMR$2,990
Market$2,780
vs market+$210

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

90% standard$2,691 / 0.97 ratio110% standard$3,289 / 1.18 ratio
1.08
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 33712 (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.

33712 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 33712 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,920 and the 4 bedroom fair market rent is $2,990.

Use this page for searches like 33712 FMR, 33712 fair market rent, and 33712 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 33712
Bedroom sizeHUD FMR
Studio$1,530
1 bedroom$1,640
2 bedroom$1,920
3 bedroom$2,460
4 bedroom$2,990