33859
ZIPSAFMR
Polk County, FL
BRFMR
Eff. Rent
0 BR$1,110$810
1 BR$1,120$880
2 BR$1,360$1,320
3 BR$1,840$1,840
4 BR$2,280$2,000
5 BR$2,622
6 BR$3,015
7 BR$3,468
8 BR$3,988

Purchase Price Calculator

Maximum purchase price
$134,235

Cost breakdown

+Likely effective rent$1,320
HUD FMR$1,360
Market rentUsed$1,320
Est. payment standard (98%)$1,330
Market rent is below the inferred standard ($1,330, 98% of FMR).
-Principal and interest-$679
Loan amount$107,388
Down payment$26,847
Rate6.50%
Term30 years
-Operating costs-$441
Property taxes-$134
Insurance-$175
Utilities$0
HOA$0
Management-$132
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,369(79.6% ROI)
Projected value
$144,556
Current value$134,235
Return breakdown
Property appreciation+$10,321
Loan principal paid down+$3,847
Rental cash flow+$7,200
5-year hold
+$36,501(136.0% ROI)
Projected value
$151,875
Current value$134,235
Return breakdown
Property appreciation+$17,640
Loan principal paid down+$6,861
Rental cash flow+$12,000
10-year hold
+$77,946(290.3% ROI)
Projected value
$171,832
Current value$134,235
Return breakdown
Property appreciation+$37,597
Loan principal paid down+$16,349
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
1.37ratio
FMR$1,110
Market$810
vs market+$300

FMR is above market; underwrite to market rent.

90% standard$999 / 1.23 ratio110% standard$1,221 / 1.51 ratio
1.37
1 BR
1 BR
1.27ratio
FMR$1,120
Market$880
vs market+$240

FMR is above market; underwrite to market rent.

90% standard$1,008 / 1.15 ratio110% standard$1,232 / 1.40 ratio
1.27
2 BR
2 BR
1.03ratio
FMR$1,360
Market$1,320
vs market+$40

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

90% standard$1,224 / 0.93 ratio110% standard$1,496 / 1.13 ratio
1.03
3 BR
3 BR
1.00ratio
FMR$1,840
Market$1,840
vs market+$0

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

90% standard$1,656 / 0.90 ratio110% standard$2,024 / 1.10 ratio
1.00
4 BR
4 BR
1.14ratio
FMR$2,280
Market$2,000
vs market+$280

FMR is above market; underwrite to market rent.

90% standard$2,052 / 1.03 ratio110% standard$2,508 / 1.25 ratio
1.14
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 33859 (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.

33859 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 33859 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,360 and the 4 bedroom fair market rent is $2,280.

Use this page for searches like 33859 FMR, 33859 fair market rent, and 33859 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 33859
Bedroom sizeHUD FMR
Studio$1,110
1 bedroom$1,120
2 bedroom$1,360
3 bedroom$1,840
4 bedroom$2,280