35127
ZIPSAFMR
Jefferson County, AL
BRFMR
Eff. Rent
0 BR$1,130$1,030
1 BR$1,280$960
2 BR$1,400$1,070
3 BR$1,750$1,490
4 BR$1,990$1,510
5 BR$2,289
6 BR$2,632
7 BR$3,027
8 BR$3,481

Purchase Price Calculator

Maximum purchase price
$97,085

Cost breakdown

+Likely effective rent$1,070
HUD FMR$1,400
Market rentUsed$1,070
Est. payment standard (90%)$1,260
Market rent is below the inferred standard ($1,260, 90% of FMR).
-Principal and interest-$491
Loan amount$77,668
Down payment$19,417
Rate6.50%
Term30 years
-Operating costs-$379
Property taxes-$97
Insurance-$175
Utilities$0
HOA$0
Management-$107
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$17,448(89.9% ROI)
Projected value
$104,550
Current value$97,085
Return breakdown
Property appreciation+$7,465
Loan principal paid down+$2,783
Rental cash flow+$7,200
5-year hold
+$29,720(153.1% ROI)
Projected value
$109,843
Current value$97,085
Return breakdown
Property appreciation+$12,758
Loan principal paid down+$4,962
Rental cash flow+$12,000
10-year hold
+$63,016(324.5% ROI)
Projected value
$124,277
Current value$97,085
Return breakdown
Property appreciation+$27,192
Loan principal paid down+$11,824
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
1.10ratio
FMR$1,130
Market$1,030
vs market+$100

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

90% standard$1,017 / 0.99 ratio110% standard$1,243 / 1.21 ratio
1.10
1 BR
1 BR
1.33ratio
FMR$1,280
Market$960
vs market+$320

FMR is above market; underwrite to market rent.

90% standard$1,152 / 1.20 ratio110% standard$1,408 / 1.47 ratio
1.33
2 BR
2 BR
1.31ratio
FMR$1,400
Market$1,070
vs market+$330

FMR is above market; underwrite to market rent.

90% standard$1,260 / 1.18 ratio110% standard$1,540 / 1.44 ratio
1.31
3 BR
3 BR
1.17ratio
FMR$1,750
Market$1,490
vs market+$260

FMR is above market; underwrite to market rent.

90% standard$1,575 / 1.06 ratio110% standard$1,925 / 1.29 ratio
1.17
4 BR
4 BR
1.32ratio
FMR$1,990
Market$1,510
vs market+$480

FMR is above market; underwrite to market rent.

90% standard$1,791 / 1.19 ratio110% standard$2,189 / 1.45 ratio
1.32
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 35127 (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.

35127 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 35127 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,400 and the 4 bedroom fair market rent is $1,990.

Use this page for searches like 35127 FMR, 35127 fair market rent, and 35127 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 35127
Bedroom sizeHUD FMR
Studio$1,130
1 bedroom$1,280
2 bedroom$1,400
3 bedroom$1,750
4 bedroom$1,990