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Highlands County/Sebring/33872

33872

ZIPSAFMR
Highlands County, FL
Zillow

ZIP Investment Score

83Below average

095130300
BRFMR
Eff. Rent
0 BR$1,000$1,100
1 BR$1,160$1,280
2 BR$1,430$1,500
3 BR$1,700$1,870
4 BR$2,160$2,190
5 BR$2,484Not available
6 BR$2,857Not available
7 BR$3,285Not available
8 BR$3,778Not available

Purchase Price Calculator

Maximum purchase price
$160,983

Cost breakdown

+Likely effective rent$1,500
HUD FMR$1,430
Market rent$1,530
Est. payment standard (105%)Used$1,500
-Principal and interest-$814
Loan amount$128,786
Down payment$32,197
Rate6.50%
Term30 years
-Operating costs-$486
Property taxes-$161
Insurance-$175
Utilities$0
HOA$0
Management-$150
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,192(75.1% ROI)
Projected value
$173,361
Return breakdown
Property appreciation+$12,378
Loan principal paid down+$4,614
Rental cash flow+$7,200
5-year hold
+$41,383(128.5% ROI)
Projected value
$182,137
Return breakdown
Property appreciation+$21,154
Loan principal paid down+$8,228
Rental cash flow+$12,000
10-year hold
+$88,695(275.5% ROI)
Projected value
$206,072
Return breakdown
Property appreciation+$45,089
Loan principal paid down+$19,606
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.79
1 BR
0.87
2 BR
0.93
3 BR
0.85
4 BR
0.98
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 33872 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 33872 (Sebring, FL) is $1,430 a month. That is down 2.1% from $1,460 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, 33872 has the 2nd-highest two-bedroom rent (county range $1,150–$1,590). The median county two-bedroom FMR in Florida is $1,474, so ZIP 33872 is 3% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 33872
BedroomsFY 2027Change90–110% range
Studio$1,000−1.0%$900–$1,100
1BR$1,1600.0%$1,044–$1,276
2BR$1,430−2.1%$1,287–$1,573
3BR$1,700−4.0%$1,530–$1,870
4BR$2,160−6.9%$1,944–$2,376

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 33872
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,000$1,160$1,430$1,700$2,160
FY 2026$1,010$1,160$1,460$1,770$2,320
FY 2025$970$1,090$1,420$1,750$2,280
FY 2024$850$960$1,260$1,570$2,070
FY 2023$790$840$1,110$1,380$1,660

Two-bedroom rent in nearby Highlands County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 33872
33825$1,350−5.6%
33826$1,260−11.9%
33843$1,350−5.6%
33852$1,400−2.1%
33857$1,240−13.3%
33862$1,260−11.9%
33870$1,230−14.0%
33871$1,260−11.9%
33872Current$1,430—
33875$1,410−1.4%
33876$1,150−19.6%
33960$1,320−7.7%

Questions about ZIP 33872 rents

How much will Section 8 pay for a two-bedroom in ZIP 33872?

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 $1,430 it would be $1,287 to $1,573. 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 33872 in?

ZIP 33872 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 33872 for FY 2027?

The two-bedroom FMR fell 2.1%, from $1,460 in FY 2026 to $1,430 in FY 2027. Since FY 2023 it has risen 28.8%.

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