35055
ZIPSAFMR
Cullman County, AL
BRFMR
Eff. Rent
0 BR$690$760
1 BR$690$760
2 BR$910$1,000
3 BR$1,180$1,300
4 BR$1,430$1,570
5 BR$1,644
6 BR$1,891
7 BR$2,175
8 BR$2,501

Purchase Price Calculator

Maximum purchase price
$86,683

Cost breakdown

+Likely effective rent$1,000
HUD FMR$910
Market rent$1,290
Est. payment standard (110%)Used$1,000
Estimated payment standard is $1,000 (110% of FMR).
-Principal and interest-$438
Loan amount$69,346
Down payment$17,337
Rate6.50%
Term30 years
-Operating costs-$362
Property taxes-$87
Insurance-$175
Utilities$0
HOA$0
Management-$100
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,350(94.3% ROI)
Projected value
$93,348
Current value$86,683
Return breakdown
Property appreciation+$6,665
Loan principal paid down+$2,485
Rental cash flow+$7,200
5-year hold
+$27,821(160.5% ROI)
Projected value
$98,074
Current value$86,683
Return breakdown
Property appreciation+$11,391
Loan principal paid down+$4,431
Rental cash flow+$12,000
10-year hold
+$58,836(339.4% ROI)
Projected value
$110,962
Current value$86,683
Return breakdown
Property appreciation+$24,279
Loan principal paid down+$10,557
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
0.68ratio
FMR$690
Market$1,010
vs market-$320

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

90% standard$621 / 0.61 ratio110% standard$759 / 0.75 ratio
0.68
1 BR
1 BR
0.70ratio
FMR$690
Market$980
vs market-$290

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

90% standard$621 / 0.63 ratio110% standard$759 / 0.77 ratio
0.70
2 BR
2 BR
0.71ratio
FMR$910
Market$1,290
vs market-$380

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

90% standard$819 / 0.63 ratio110% standard$1,001 / 0.78 ratio
0.71
3 BR
3 BR
0.76ratio
FMR$1,180
Market$1,560
vs market-$380

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

90% standard$1,062 / 0.68 ratio110% standard$1,298 / 0.83 ratio
0.76
4 BR
4 BR
0.84ratio
FMR$1,430
Market$1,710
vs market-$280

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

90% standard$1,287 / 0.75 ratio110% standard$1,573 / 0.92 ratio
0.84
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for 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 35055 (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.

35055 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 35055 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $910 and the 4 bedroom fair market rent is $1,430.

Use this page for searches like 35055 FMR, 35055 fair market rent, and 35055 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 35055
Bedroom sizeHUD FMR
Studio$690
1 bedroom$690
2 bedroom$910
3 bedroom$1,180
4 bedroom$1,430