34653
ZIPSAFMR
Pasco County, FL
BRFMR
Eff. Rent
0 BR$1,350$1,250
1 BR$1,430$1,360
2 BR$1,670$1,640
3 BR$2,130$2,040
4 BR$2,600$2,370
5 BR$2,990
6 BR$3,438
7 BR$3,954
8 BR$4,547

Purchase Price Calculator

Maximum purchase price
$181,787

Cost breakdown

+Likely effective rent$1,640
HUD FMR$1,670
Market rentUsed$1,640
Est. payment standard (99%)$1,650
Market rent is below the inferred standard ($1,650, 99% 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
1.08ratio
FMR$1,350
Market$1,250
vs market+$100

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

90% standard$1,215 / 0.97 ratio110% standard$1,485 / 1.19 ratio
1.08
1 BR
1 BR
1.05ratio
FMR$1,430
Market$1,360
vs market+$70

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

90% standard$1,287 / 0.95 ratio110% standard$1,573 / 1.16 ratio
1.05
2 BR
2 BR
1.02ratio
FMR$1,670
Market$1,640
vs market+$30

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

90% standard$1,503 / 0.92 ratio110% standard$1,837 / 1.12 ratio
1.02
3 BR
3 BR
1.04ratio
FMR$2,130
Market$2,040
vs market+$90

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

90% standard$1,917 / 0.94 ratio110% standard$2,343 / 1.15 ratio
1.04
4 BR
4 BR
1.10ratio
FMR$2,600
Market$2,370
vs market+$230

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

90% standard$2,340 / 0.99 ratio110% standard$2,860 / 1.21 ratio
1.10
0.700.800.901.001.101.201.30aligned range

Voucher rents are well-aligned with market rents across all bedroom 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 34653 (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.

34653 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 34653 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,670 and the 4 bedroom fair market rent is $2,600.

Use this page for searches like 34653 FMR, 34653 fair market rent, and 34653 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 34653
Bedroom sizeHUD FMR
Studio$1,350
1 bedroom$1,430
2 bedroom$1,670
3 bedroom$2,130
4 bedroom$2,600