33860
ZIPSAFMR
Polk County, FL
BRFMR
Eff. Rent
0 BR$1,140$1,250
1 BR$1,140$1,250
2 BR$1,390$1,530
3 BR$1,880$1,890
4 BR$2,330$2,270
5 BR$2,680
6 BR$3,081
7 BR$3,544
8 BR$4,075

Purchase Price Calculator

Maximum purchase price
$165,441

Cost breakdown

+Likely effective rent$1,530
HUD FMR$1,390
Market rent$1,670
Est. payment standard (110%)Used$1,530
Estimated payment standard is $1,530 (110% of FMR).
-Principal and interest-$837
Loan amount$132,353
Down payment$33,088
Rate6.50%
Term30 years
-Operating costs-$493
Property taxes-$165
Insurance-$175
Utilities$0
HOA$0
Management-$153
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,663(74.5% ROI)
Projected value
$178,162
Current value$165,441
Return breakdown
Property appreciation+$12,721
Loan principal paid down+$4,742
Rental cash flow+$7,200
5-year hold
+$42,196(127.5% ROI)
Projected value
$187,181
Current value$165,441
Return breakdown
Property appreciation+$21,740
Loan principal paid down+$8,456
Rental cash flow+$12,000
10-year hold
+$90,487(273.5% ROI)
Projected value
$211,778
Current value$165,441
Return breakdown
Property appreciation+$46,337
Loan principal paid down+$20,149
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
0.87ratio
FMR$1,140
Market$1,310
vs market-$170

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

90% standard$1,026 / 0.78 ratio110% standard$1,254 / 0.96 ratio
0.87
1 BR
1 BR
0.80ratio
FMR$1,140
Market$1,420
vs market-$280

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

90% standard$1,026 / 0.72 ratio110% standard$1,254 / 0.88 ratio
0.80
2 BR
2 BR
0.83ratio
FMR$1,390
Market$1,670
vs market-$280

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

90% standard$1,251 / 0.75 ratio110% standard$1,529 / 0.92 ratio
0.83
3 BR
3 BR
0.99ratio
FMR$1,880
Market$1,890
vs market-$10

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

90% standard$1,692 / 0.90 ratio110% standard$2,068 / 1.09 ratio
0.99
4 BR
4 BR
1.03ratio
FMR$2,330
Market$2,270
vs market+$60

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

90% standard$2,097 / 0.92 ratio110% standard$2,563 / 1.13 ratio
1.03
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 33860 (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.

33860 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 33860 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,390 and the 4 bedroom fair market rent is $2,330.

Use this page for searches like 33860 FMR, 33860 fair market rent, and 33860 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 33860
Bedroom sizeHUD FMR
Studio$1,140
1 bedroom$1,140
2 bedroom$1,390
3 bedroom$1,880
4 bedroom$2,330