35005
ZIPSAFMR
Jefferson County, AL
BRFMR
Eff. Rent
0 BR$940$950
1 BR$1,060$920
2 BR$1,160$960
3 BR$1,450$1,270
4 BR$1,650$1,420
5 BR$1,897
6 BR$2,182
7 BR$2,509
8 BR$2,886

Purchase Price Calculator

Maximum purchase price
$80,739

Cost breakdown

+Likely effective rent$960
HUD FMR$1,160
Market rentUsed$960
Est. payment standard (90%)$1,040
Market rent is below the inferred standard ($1,040, 90% of FMR).
-Principal and interest-$408
Loan amount$64,591
Down payment$16,148
Rate6.50%
Term30 years
-Operating costs-$352
Property taxes-$81
Insurance-$175
Utilities$0
HOA$0
Management-$96
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$15,722(97.4% ROI)
Projected value
$86,947
Current value$80,739
Return breakdown
Property appreciation+$6,208
Loan principal paid down+$2,314
Rental cash flow+$7,200
5-year hold
+$26,737(165.6% ROI)
Projected value
$91,349
Current value$80,739
Return breakdown
Property appreciation+$10,610
Loan principal paid down+$4,127
Rental cash flow+$12,000
10-year hold
+$56,447(349.6% ROI)
Projected value
$103,353
Current value$80,739
Return breakdown
Property appreciation+$22,614
Loan principal paid down+$9,833
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
0.98ratio
FMR$940
Market$960
vs market-$20

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

90% standard$846 / 0.88 ratio110% standard$1,034 / 1.08 ratio
0.98
1 BR
1 BR
1.15ratio
FMR$1,060
Market$920
vs market+$140

FMR is above market; underwrite to market rent.

90% standard$954 / 1.04 ratio110% standard$1,166 / 1.27 ratio
1.15
2 BR
2 BR
1.21ratio
FMR$1,160
Market$960
vs market+$200

FMR is above market; underwrite to market rent.

90% standard$1,044 / 1.09 ratio110% standard$1,276 / 1.33 ratio
1.21
3 BR
3 BR
1.14ratio
FMR$1,450
Market$1,270
vs market+$180

FMR is above market; underwrite to market rent.

90% standard$1,305 / 1.03 ratio110% standard$1,595 / 1.26 ratio
1.14
4 BR
4 BR
1.16ratio
FMR$1,650
Market$1,420
vs market+$230

FMR is above market; underwrite to market rent.

90% standard$1,485 / 1.05 ratio110% standard$1,815 / 1.28 ratio
1.16
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 35005 (AL) 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.

35005 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 35005 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,160 and the 4 bedroom fair market rent is $1,650.

Use this page for searches like 35005 FMR, 35005 fair market rent, and 35005 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 35005
Bedroom sizeHUD FMR
Studio$940
1 bedroom$1,060
2 bedroom$1,160
3 bedroom$1,450
4 bedroom$1,650