34995
ZIPSAFMR
Martin County, FL
BRFMR
Eff. Rent
0 BR$1,450$1,540
1 BR$1,460$1,600
2 BR$1,750$1,930
3 BR$2,410$2,610
4 BR$2,570$2,800
5 BR$2,955
6 BR$3,399
7 BR$3,909
8 BR$4,495

Purchase Price Calculator

Maximum purchase price
$224,881

Cost breakdown

+Likely effective rent$1,930
HUD FMR$1,750
Market rent$2,180
Est. payment standard (110%)Used$1,930
Estimated payment standard is $1,930 (110% of FMR).
-Principal and interest-$1,137
Loan amount$179,905
Down payment$44,976
Rate6.50%
Term30 years
-Operating costs-$593
Property taxes-$225
Insurance-$175
Utilities$0
HOA$0
Management-$193
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,937(68.8% ROI)
Projected value
$242,172
Current value$224,881
Return breakdown
Property appreciation+$17,291
Loan principal paid down+$6,446
Rental cash flow+$7,200
5-year hold
+$53,045(117.9% ROI)
Projected value
$254,432
Current value$224,881
Return breakdown
Property appreciation+$29,551
Loan principal paid down+$11,494
Rental cash flow+$12,000
10-year hold
+$114,374(254.3% ROI)
Projected value
$287,866
Current value$224,881
Return breakdown
Property appreciation+$62,986
Loan principal paid down+$27,388
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
0.91ratio
FMR$1,450
Market$1,590
vs market-$140

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

90% standard$1,305 / 0.82 ratio110% standard$1,595 / 1.00 ratio
0.91
1 BR
1 BR
0.87ratio
FMR$1,460
Market$1,680
vs market-$220

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

90% standard$1,314 / 0.78 ratio110% standard$1,606 / 0.96 ratio
0.87
2 BR
2 BR
0.80ratio
FMR$1,750
Market$2,180
vs market-$430

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

90% standard$1,575 / 0.72 ratio110% standard$1,925 / 0.88 ratio
0.80
3 BR
3 BR
0.89ratio
FMR$2,410
Market$2,710
vs market-$300

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

90% standard$2,169 / 0.80 ratio110% standard$2,651 / 0.98 ratio
0.89
4 BR
4 BR
0.88ratio
FMR$2,570
Market$2,920
vs market-$350

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

90% standard$2,313 / 0.79 ratio110% standard$2,827 / 0.97 ratio
0.88
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 34995 (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.

34995 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 34995 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,750 and the 4 bedroom fair market rent is $2,570.

Use this page for searches like 34995 FMR, 34995 fair market rent, and 34995 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 34995
Bedroom sizeHUD FMR
Studio$1,450
1 bedroom$1,460
2 bedroom$1,750
3 bedroom$2,410
4 bedroom$2,570