34990
ZIPSAFMR
Martin County, FL
BRFMR
Eff. Rent
0 BR$1,820$2,000
1 BR$1,840$2,020
2 BR$2,200$2,420
3 BR$3,030$2,760
4 BR$3,230$3,390
5 BR$3,714
6 BR$4,272
7 BR$4,912
8 BR$5,649

Purchase Price Calculator

Maximum purchase price
$297,695

Cost breakdown

+Likely effective rent$2,420
HUD FMR$2,200
Market rent$2,690
Est. payment standard (110%)Used$2,420
Estimated payment standard is $2,420 (110% of FMR).
-Principal and interest-$1,505
Loan amount$238,156
Down payment$59,539
Rate6.50%
Term30 years
-Operating costs-$715
Property taxes-$298
Insurance-$175
Utilities$0
HOA$0
Management-$242
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$38,622(64.9% ROI)
Projected value
$320,584
Current value$297,695
Return breakdown
Property appreciation+$22,890
Loan principal paid down+$8,533
Rental cash flow+$7,200
5-year hold
+$66,335(111.4% ROI)
Projected value
$336,814
Current value$297,695
Return breakdown
Property appreciation+$39,120
Loan principal paid down+$15,216
Rental cash flow+$12,000
10-year hold
+$143,636(241.2% ROI)
Projected value
$381,074
Current value$297,695
Return breakdown
Property appreciation+$83,380
Loan principal paid down+$36,257
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
0.83ratio
FMR$1,820
Market$2,180
vs market-$360

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

90% standard$1,638 / 0.75 ratio110% standard$2,002 / 0.92 ratio
0.83
1 BR
1 BR
0.77ratio
FMR$1,840
Market$2,400
vs market-$560

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

90% standard$1,656 / 0.69 ratio110% standard$2,024 / 0.84 ratio
0.77
2 BR
2 BR
0.82ratio
FMR$2,200
Market$2,690
vs market-$490

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

90% standard$1,980 / 0.74 ratio110% standard$2,420 / 0.90 ratio
0.82
3 BR
3 BR
1.10ratio
FMR$3,030
Market$2,760
vs market+$270

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

90% standard$2,727 / 0.99 ratio110% standard$3,333 / 1.21 ratio
1.10
4 BR
4 BR
0.93ratio
FMR$3,230
Market$3,480
vs market-$250

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

90% standard$2,907 / 0.84 ratio110% standard$3,553 / 1.02 ratio
0.93
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 34990 (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.

34990 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 34990 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,200 and the 4 bedroom fair market rent is $3,230.

Use this page for searches like 34990 FMR, 34990 fair market rent, and 34990 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 34990
Bedroom sizeHUD FMR
Studio$1,820
1 bedroom$1,840
2 bedroom$2,200
3 bedroom$3,030
4 bedroom$3,230