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33782

ZIPSAFMR
Pinellas County, FL

ZIP Investment Score

104Above average

095130300
BRFMR
Eff. Rent
0 BR$1,860$1,550
1 BR$1,920$1,860
2 BR$2,230$2,190
3 BR$2,850$2,410
4 BR$3,460$2,940
5 BR$3,979Not available
6 BR$4,576Not available
7 BR$5,262Not available
8 BR$6,052Not available

Purchase Price Calculator

Maximum purchase price
$263,517

Cost breakdown

+Likely effective rent$2,190
HUD FMR$2,230
Market rentUsed$2,190
Est. payment standard (99%)$2,200
-Principal and interest-$1,332
Loan amount$210,813
Down payment$52,703
Rate6.50%
Term30 years
-Operating costs-$658
Property taxes-$264
Insurance-$175
Utilities$0
HOA$0
Management-$219
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$35,015(66.4% ROI)
Projected value
$283,779
Return breakdown
Property appreciation+$20,262
Loan principal paid down+$7,553
Rental cash flow+$7,200
5-year hold
+$60,097(114.0% ROI)
Projected value
$298,145
Return breakdown
Property appreciation+$34,628
Loan principal paid down+$13,469
Rental cash flow+$12,000
10-year hold
+$129,901(246.5% ROI)
Projected value
$337,324
Return breakdown
Property appreciation+$73,807
Loan principal paid down+$32,094
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.20
1 BR
1.03
2 BR
1.02
3 BR
1.18
4 BR
1.18
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 33782 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 33782 (Pinellas Park, FL) is $2,230 a month. That is down 2.2% from $2,280 in FY 2026. Pinellas Park is in the Tampa-St. Petersburg-Clearwater, FL MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 70 ZIP codes in Pinellas County, 33782 is tied for the 11th-highest two-bedroom rent (county range $1,580–$2,880). The median county two-bedroom FMR in Florida is $1,474, so ZIP 33782 is 51% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 33782
BedroomsFY 2027Change90–110% range
Studio$1,860+1.1%$1,674–$2,046
1BR$1,920−2.0%$1,728–$2,112
2BR$2,230−2.2%$2,007–$2,453
3BR$2,850−2.1%$2,565–$3,135
4BR$3,460−2.5%$3,114–$3,806

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 33782
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,860$1,920$2,230$2,850$3,460
FY 2026$1,840$1,960$2,280$2,910$3,550
FY 2025$1,770$1,910$2,240$2,870$3,490
FY 2024$1,620$1,750$2,070$2,650$3,230
FY 2023$1,420$1,520$1,820$2,330$2,860

Two-bedroom rent in nearby Pinellas County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 33782
33774$1,820−18.4%
33775$1,930−13.5%
33776$2,790+25.1%
33777$2,2300.0%
33778$2,130−4.5%
33779$1,930−13.5%
33780$1,930−13.5%
33781$1,660−25.6%
33782Current$2,230—
33784$1,930−13.5%
33785$2,180−2.2%
33786$2,880+29.1%

Questions about ZIP 33782 rents

How much will Section 8 pay for a two-bedroom in ZIP 33782?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,230, that basic range is $2,007 to $2,453 a month. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 33782 in?

ZIP 33782 is in the Tampa-St. Petersburg-Clearwater, FL MSA. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 33782 for FY 2027?

The two-bedroom FMR fell 2.2%, from $2,280 in FY 2026 to $2,230 in FY 2027. Since FY 2023 it has risen 22.5%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set