34605
ZIPSAFMR
Hernando County, FL
BRFMR
Eff. Rent
0 BR$1,330$1,190
1 BR$1,420$1,360
2 BR$1,650$1,640
3 BR$2,110$1,840
4 BR$2,570$2,300
5 BR$2,955
6 BR$3,399
7 BR$3,909
8 BR$4,495

Purchase Price Calculator

Maximum purchase price
$181,787

Cost breakdown

+Likely effective rent$1,640
HUD FMR$1,650
Market rentUsed$1,640
Est. payment standard (100%)$1,640
Market rent is below the inferred standard ($1,640, 100% of FMR).
-Principal and interest-$919
Loan amount$145,429
Down payment$36,357
Rate6.50%
Term30 years
-Operating costs-$521
Property taxes-$182
Insurance-$175
Utilities$0
HOA$0
Management-$164
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,388(72.6% ROI)
Projected value
$195,765
Current value$181,787
Return breakdown
Property appreciation+$13,978
Loan principal paid down+$5,210
Rental cash flow+$7,200
5-year hold
+$45,180(124.3% ROI)
Projected value
$205,675
Current value$181,787
Return breakdown
Property appreciation+$23,888
Loan principal paid down+$9,292
Rental cash flow+$12,000
10-year hold
+$97,056(266.9% ROI)
Projected value
$232,703
Current value$181,787
Return breakdown
Property appreciation+$50,916
Loan principal paid down+$22,140
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
1.12ratio
FMR$1,330
Market$1,190
vs market+$140

FMR is above market; underwrite to market rent.

90% standard$1,197 / 1.01 ratio110% standard$1,463 / 1.23 ratio
1.12
1 BR
1 BR
1.04ratio
FMR$1,420
Market$1,360
vs market+$60

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

90% standard$1,278 / 0.94 ratio110% standard$1,562 / 1.15 ratio
1.04
2 BR
2 BR
1.01ratio
FMR$1,650
Market$1,640
vs market+$10

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

90% standard$1,485 / 0.91 ratio110% standard$1,815 / 1.11 ratio
1.01
3 BR
3 BR
1.15ratio
FMR$2,110
Market$1,840
vs market+$270

FMR is above market; underwrite to market rent.

90% standard$1,899 / 1.03 ratio110% standard$2,321 / 1.26 ratio
1.15
4 BR
4 BR
1.12ratio
FMR$2,570
Market$2,300
vs market+$270

FMR is above market; underwrite to market rent.

90% standard$2,313 / 1.01 ratio110% standard$2,827 / 1.23 ratio
1.12
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 34605 (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.

34605 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 34605 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,650 and the 4 bedroom fair market rent is $2,570.

Use this page for searches like 34605 FMR, 34605 fair market rent, and 34605 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 34605
Bedroom sizeHUD FMR
Studio$1,330
1 bedroom$1,420
2 bedroom$1,650
3 bedroom$2,110
4 bedroom$2,570