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Highlands County/Lake Placid/33852

33852

ZIPSAFMR
Highlands County, FL
Zillow

ZIP Investment Score

80Below average

095130300
BRFMR
Eff. Rent
0 BR$970$1,070
1 BR$1,140$1,220
2 BR$1,400$1,420
3 BR$1,670$1,830
4 BR$2,120$2,140
5 BR$2,438Not available
6 BR$2,804Not available
7 BR$3,224Not available
8 BR$3,708Not available

Purchase Price Calculator

Maximum purchase price
$149,095

Cost breakdown

+Likely effective rent$1,420
HUD FMR$1,400
Market rent$1,430
Est. payment standard (101%)Used$1,420
-Principal and interest-$754
Loan amount$119,276
Down payment$29,819
Rate6.50%
Term30 years
-Operating costs-$466
Property taxes-$149
Insurance-$175
Utilities$0
HOA$0
Management-$142
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,937(76.9% ROI)
Projected value
$160,559
Return breakdown
Property appreciation+$11,464
Loan principal paid down+$4,273
Rental cash flow+$7,200
5-year hold
+$39,213(131.5% ROI)
Projected value
$168,687
Return breakdown
Property appreciation+$19,592
Loan principal paid down+$7,621
Rental cash flow+$12,000
10-year hold
+$83,918(281.4% ROI)
Projected value
$190,854
Return breakdown
Property appreciation+$41,759
Loan principal paid down+$18,158
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.76
1 BR
0.90
2 BR
0.98
3 BR
0.87
4 BR
0.99
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 33852 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 33852 (Lake Placid, FL) is $1,400 a month. That is down 0.7% from $1,410 in FY 2026. Lake Placid is in the Sebring, FL MSA. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $1,259. Among 14 ZIP codes in Highlands County, 33852 has the 4th-highest two-bedroom rent (county range $1,150–$1,590). The median county two-bedroom FMR in Florida is $1,474, so ZIP 33852 is 5% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 33852
BedroomsFY 2027Change90–110% range
Studio$9700.0%$873–$1,067
1BR$1,140+1.8%$1,026–$1,254
2BR$1,400−0.7%$1,260–$1,540
3BR$1,670−2.3%$1,503–$1,837
4BR$2,120−5.4%$1,908–$2,332

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 33852
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$970$1,140$1,400$1,670$2,120
FY 2026$970$1,120$1,410$1,710$2,240
FY 2025$930$1,030$1,350$1,660$2,160
FY 2024$770$870$1,140$1,420$1,870
FY 2023$690$740$980$1,220$1,470

Two-bedroom rent in nearby Highlands County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 33852
33825$1,350−3.6%
33826$1,260−10.0%
33843$1,350−3.6%
33852Current$1,400—
33857$1,240−11.4%
33862$1,260−10.0%
33870$1,230−12.1%
33871$1,260−10.0%
33872$1,430+2.1%
33875$1,410+0.7%
33876$1,150−17.9%
33960$1,320−5.7%

Questions about ZIP 33852 rents

How much will Section 8 pay for a two-bedroom in ZIP 33852?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,259, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,133 to $1,385 a month; under the ZIP-level Small Area FMR of $1,400 it would be $1,260 to $1,540. 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 33852 in?

ZIP 33852 is in the Sebring, FL MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,259.

How much did fair market rent change in ZIP 33852 for FY 2027?

The two-bedroom FMR fell 0.7%, from $1,410 in FY 2026 to $1,400 in FY 2027. Since FY 2023 it has risen 42.9%.

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

County fair market rentLake Placid, FL fair market rentFL statewide rentsWhat is SAFMR?Data sources