34202
ZIPSAFMR
Manatee County, FL
BRFMR
Eff. Rent
0 BR$1,850$2,040
1 BR$2,200$2,420
2 BR$2,550$2,810
3 BR$3,300$2,650
4 BR$3,940$3,720
5 BR$4,531
6 BR$5,211
7 BR$5,992
8 BR$6,891

Purchase Price Calculator

Maximum purchase price
$355,648

Cost breakdown

+Likely effective rent$2,810
HUD FMR$2,550
Market rent$3,460
Est. payment standard (110%)Used$2,810
Estimated payment standard is $2,810 (110% of FMR).
-Principal and interest-$1,798
Loan amount$284,519
Down payment$71,130
Rate6.50%
Term30 years
-Operating costs-$812
Property taxes-$356
Insurance-$175
Utilities$0
HOA$0
Management-$281
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$44,740(62.9% ROI)
Projected value
$382,994
Current value$355,648
Return breakdown
Property appreciation+$27,346
Loan principal paid down+$10,194
Rental cash flow+$7,200
5-year hold
+$76,913(108.1% ROI)
Projected value
$402,383
Current value$355,648
Return breakdown
Property appreciation+$46,735
Loan principal paid down+$18,178
Rental cash flow+$12,000
10-year hold
+$166,926(234.7% ROI)
Projected value
$455,260
Current value$355,648
Return breakdown
Property appreciation+$99,612
Loan principal paid down+$43,315
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
0.76ratio
FMR$1,850
Market$2,440
vs market-$590

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

90% standard$1,665 / 0.68 ratio110% standard$2,035 / 0.83 ratio
0.76
1 BR
1 BR
0.70ratio
FMR$2,200
Market$3,150
vs market-$950

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

90% standard$1,980 / 0.63 ratio110% standard$2,420 / 0.77 ratio
0.70
2 BR
2 BR
0.74ratio
FMR$2,550
Market$3,460
vs market-$910

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

90% standard$2,295 / 0.66 ratio110% standard$2,805 / 0.81 ratio
0.74
3 BR
3 BR
1.25ratio
FMR$3,300
Market$2,650
vs market+$650

FMR is above market; underwrite to market rent.

90% standard$2,970 / 1.12 ratio110% standard$3,630 / 1.37 ratio
1.25
4 BR
4 BR
1.06ratio
FMR$3,940
Market$3,720
vs market+$220

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

90% standard$3,546 / 0.95 ratio110% standard$4,334 / 1.17 ratio
1.06
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 34202 (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.

34202 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 34202 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,550 and the 4 bedroom fair market rent is $3,940.

Use this page for searches like 34202 FMR, 34202 fair market rent, and 34202 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 34202
Bedroom sizeHUD FMR
Studio$1,850
1 bedroom$2,200
2 bedroom$2,550
3 bedroom$3,300
4 bedroom$3,940