33896
ZIPSAFMR
Polk County, FL
BRFMR
Eff. Rent
0 BR$1,880$1,740
1 BR$1,910$1,740
2 BR$2,280$1,970
3 BR$3,020$2,210
4 BR$3,700$2,370
5 BR$4,255
6 BR$4,893
7 BR$5,627
8 BR$6,471

Purchase Price Calculator

Maximum purchase price
$230,825

Cost breakdown

+Likely effective rent$1,970
HUD FMR$2,280
Market rentUsed$1,970
Est. payment standard (91%)$2,080
Market rent is below the inferred standard ($2,080, 91% of FMR).
-Principal and interest-$1,167
Loan amount$184,660
Down payment$46,165
Rate6.50%
Term30 years
-Operating costs-$603
Property taxes-$231
Insurance-$175
Utilities$0
HOA$0
Management-$197
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$31,564(68.4% ROI)
Projected value
$248,573
Current value$230,825
Return breakdown
Property appreciation+$17,748
Loan principal paid down+$6,616
Rental cash flow+$7,200
5-year hold
+$54,130(117.3% ROI)
Projected value
$261,157
Current value$230,825
Return breakdown
Property appreciation+$30,332
Loan principal paid down+$11,798
Rental cash flow+$12,000
10-year hold
+$116,763(252.9% ROI)
Projected value
$295,475
Current value$230,825
Return breakdown
Property appreciation+$64,650
Loan principal paid down+$28,112
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
1.08ratio
FMR$1,880
Market$1,740
vs market+$140

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

90% standard$1,692 / 0.97 ratio110% standard$2,068 / 1.19 ratio
1.08
1 BR
1 BR
1.10ratio
FMR$1,910
Market$1,740
vs market+$170

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

90% standard$1,719 / 0.99 ratio110% standard$2,101 / 1.21 ratio
1.10
2 BR
2 BR
1.16ratio
FMR$2,280
Market$1,970
vs market+$310

FMR is above market; underwrite to market rent.

90% standard$2,052 / 1.04 ratio110% standard$2,508 / 1.27 ratio
1.16
3 BR
3 BR
1.37ratio
FMR$3,020
Market$2,210
vs market+$810

FMR is above market; underwrite to market rent.

90% standard$2,718 / 1.23 ratio110% standard$3,322 / 1.50 ratio
1.37
4 BR
4 BR
1.56ratio
FMR$3,700
Market$2,370
vs market+$1,330

FMR is above market; underwrite to market rent.

1.56
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 33896 (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.

33896 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 33896 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,280 and the 4 bedroom fair market rent is $3,700.

Use this page for searches like 33896 FMR, 33896 fair market rent, and 33896 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 33896
Bedroom sizeHUD FMR
Studio$1,880
1 bedroom$1,910
2 bedroom$2,280
3 bedroom$3,020
4 bedroom$3,700