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Highlands County/Sebring/33870

33870

ZIPSAFMR
Highlands County, FL
Zillow

ZIP Investment Score

99Above average

095130300
BRFMR
Eff. Rent
0 BR$860$950
1 BR$1,000$1,100
2 BR$1,230$1,300
3 BR$1,470$1,620
4 BR$1,860$2,050
5 BR$2,139Not available
6 BR$2,460Not available
7 BR$2,829Not available
8 BR$3,253Not available

Purchase Price Calculator

Maximum purchase price
$131,263

Cost breakdown

+Likely effective rent$1,300
HUD FMR$1,230
Market rent$1,340
Est. payment standard (106%)Used$1,300
-Principal and interest-$664
Loan amount$105,010
Down payment$26,253
Rate6.50%
Term30 years
-Operating costs-$436
Property taxes-$131
Insurance-$175
Utilities$0
HOA$0
Management-$130
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,055(80.2% ROI)
Projected value
$141,356
Return breakdown
Property appreciation+$10,093
Loan principal paid down+$3,762
Rental cash flow+$7,200
5-year hold
+$35,958(137.0% ROI)
Projected value
$148,512
Return breakdown
Property appreciation+$17,249
Loan principal paid down+$6,709
Rental cash flow+$12,000
10-year hold
+$76,751(292.4% ROI)
Projected value
$168,028
Return breakdown
Property appreciation+$36,765
Loan principal paid down+$15,987
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.74
1 BR
0.83
2 BR
0.92
3 BR
0.81
4 BR
0.74
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 33870 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 33870 (Sebring, FL) is $1,230 a month. That is down 1.6% from $1,250 in FY 2026. Sebring 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, 33870 has the 13th-highest two-bedroom rent (county range $1,150–$1,590). The median county two-bedroom FMR in Florida is $1,474, so ZIP 33870 is 17% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 33870
BedroomsFY 2027Change90–110% range
Studio$8600.0%$774–$946
1BR$1,000+1.0%$900–$1,100
2BR$1,230−1.6%$1,107–$1,353
3BR$1,470−2.6%$1,323–$1,617
4BR$1,860−6.1%$1,674–$2,046

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 33870
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$860$1,000$1,230$1,470$1,860
FY 2026$860$990$1,250$1,510$1,980
FY 2025$840$940$1,220$1,500$1,950
FY 2024$730$820$1,080$1,350$1,770
FY 2023$650$700$920$1,140$1,380

Two-bedroom rent in nearby Highlands County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 33870
33825$1,350+9.8%
33826$1,260+2.4%
33843$1,350+9.8%
33852$1,400+13.8%
33857$1,240+0.8%
33862$1,260+2.4%
33870Current$1,230—
33871$1,260+2.4%
33872$1,430+16.3%
33875$1,410+14.6%
33876$1,150−6.5%
33960$1,320+7.3%

Questions about ZIP 33870 rents

How much will Section 8 pay for a two-bedroom in ZIP 33870?

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 $1,230 it would be $1,107 to $1,353. 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 33870 in?

ZIP 33870 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 33870 for FY 2027?

The two-bedroom FMR fell 1.6%, from $1,250 in FY 2026 to $1,230 in FY 2027. Since FY 2023 it has risen 33.7%.

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 rentSebring, FL fair market rentFL statewide rentsWhat is SAFMR?Data sources