34637
ZIPSAFMR
Pasco County, FL
BRFMR
Eff. Rent
0 BR$1,900$1,860
1 BR$2,020$1,810
2 BR$2,360$2,090
3 BR$3,020$2,270
4 BR$3,670$2,640
5 BR$4,221
6 BR$4,854
7 BR$5,582
8 BR$6,419

Purchase Price Calculator

Maximum purchase price
$248,657

Cost breakdown

+Likely effective rent$2,090
HUD FMR$2,360
Market rentUsed$2,090
Est. payment standard (93%)$2,180
Market rent is below the inferred standard ($2,180, 93% of FMR).
-Principal and interest-$1,257
Loan amount$198,925
Down payment$49,731
Rate6.50%
Term30 years
-Operating costs-$633
Property taxes-$249
Insurance-$175
Utilities$0
HOA$0
Management-$209
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$33,446(67.3% ROI)
Projected value
$267,776
Current value$248,657
Return breakdown
Property appreciation+$19,119
Loan principal paid down+$7,127
Rental cash flow+$7,200
5-year hold
+$57,385(115.4% ROI)
Projected value
$281,332
Current value$248,657
Return breakdown
Property appreciation+$32,676
Loan principal paid down+$12,709
Rental cash flow+$12,000
10-year hold
+$123,929(249.2% ROI)
Projected value
$318,302
Current value$248,657
Return breakdown
Property appreciation+$69,645
Loan principal paid down+$30,284
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
1.02ratio
FMR$1,900
Market$1,860
vs market+$40

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

90% standard$1,710 / 0.92 ratio110% standard$2,090 / 1.12 ratio
1.02
1 BR
1 BR
1.12ratio
FMR$2,020
Market$1,810
vs market+$210

FMR is above market; underwrite to market rent.

90% standard$1,818 / 1.00 ratio110% standard$2,222 / 1.23 ratio
1.12
2 BR
2 BR
1.13ratio
FMR$2,360
Market$2,090
vs market+$270

FMR is above market; underwrite to market rent.

90% standard$2,124 / 1.02 ratio110% standard$2,596 / 1.24 ratio
1.13
3 BR
3 BR
1.33ratio
FMR$3,020
Market$2,270
vs market+$750

FMR is above market; underwrite to market rent.

90% standard$2,718 / 1.20 ratio110% standard$3,322 / 1.46 ratio
1.33
4 BR
4 BR
1.39ratio
FMR$3,670
Market$2,640
vs market+$1,030

FMR is above market; underwrite to market rent.

90% standard$3,303 / 1.25 ratio110% standard$4,037 / 1.53 ratio
1.39
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 34637 (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.

34637 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 34637 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,360 and the 4 bedroom fair market rent is $3,670.

Use this page for searches like 34637 FMR, 34637 fair market rent, and 34637 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 34637
Bedroom sizeHUD FMR
Studio$1,900
1 bedroom$2,020
2 bedroom$2,360
3 bedroom$3,020
4 bedroom$3,670