33811
ZIPSAFMR
Polk County, FL
BRFMR
Eff. Rent
0 BR$1,220$1,340
1 BR$1,220$1,340
2 BR$1,490$1,570
3 BR$2,010$2,110
4 BR$2,500$2,370
5 BR$2,875
6 BR$3,306
7 BR$3,802
8 BR$4,373

Purchase Price Calculator

Maximum purchase price
$171,385

Cost breakdown

+Likely effective rent$1,570
HUD FMR$1,490
Market rent$1,610
Est. payment standard (105%)Used$1,570
Estimated payment standard is $1,570 (105% of FMR).
-Principal and interest-$867
Loan amount$137,108
Down payment$34,277
Rate6.50%
Term30 years
-Operating costs-$503
Property taxes-$171
Insurance-$175
Utilities$0
HOA$0
Management-$157
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,290(73.8% ROI)
Projected value
$184,563
Current value$171,385
Return breakdown
Property appreciation+$13,178
Loan principal paid down+$4,912
Rental cash flow+$7,200
5-year hold
+$43,281(126.3% ROI)
Projected value
$193,906
Current value$171,385
Return breakdown
Property appreciation+$22,521
Loan principal paid down+$8,760
Rental cash flow+$12,000
10-year hold
+$92,875(271.0% ROI)
Projected value
$219,387
Current value$171,385
Return breakdown
Property appreciation+$48,002
Loan principal paid down+$20,873
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
0.83ratio
FMR$1,220
Market$1,470
vs market-$250

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

90% standard$1,098 / 0.75 ratio110% standard$1,342 / 0.91 ratio
0.83
1 BR
1 BR
0.85ratio
FMR$1,220
Market$1,440
vs market-$220

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

90% standard$1,098 / 0.76 ratio110% standard$1,342 / 0.93 ratio
0.85
2 BR
2 BR
0.93ratio
FMR$1,490
Market$1,610
vs market-$120

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

90% standard$1,341 / 0.83 ratio110% standard$1,639 / 1.02 ratio
0.93
3 BR
3 BR
0.93ratio
FMR$2,010
Market$2,170
vs market-$160

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

90% standard$1,809 / 0.83 ratio110% standard$2,211 / 1.02 ratio
0.93
4 BR
4 BR
1.05ratio
FMR$2,500
Market$2,370
vs market+$130

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

90% standard$2,250 / 0.95 ratio110% standard$2,750 / 1.16 ratio
1.05
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 33811 (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.

33811 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 33811 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,490 and the 4 bedroom fair market rent is $2,500.

Use this page for searches like 33811 FMR, 33811 fair market rent, and 33811 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 33811
Bedroom sizeHUD FMR
Studio$1,220
1 bedroom$1,220
2 bedroom$1,490
3 bedroom$2,010
4 bedroom$2,500