35203
ZIPSAFMR
Jefferson County, AL
BRFMR
Eff. Rent
0 BR$820$900
1 BR$930$1,020
2 BR$1,020$1,090
3 BR$1,280$1,310
4 BR$1,450$1,480
5 BR$1,667
6 BR$1,918
7 BR$2,205
8 BR$2,536

Purchase Price Calculator

Maximum purchase price
$100,057

Cost breakdown

+Likely effective rent$1,090
HUD FMR$1,020
Market rent$1,130
Est. payment standard (107%)Used$1,090
Estimated payment standard is $1,090 (107% of FMR).
-Principal and interest-$506
Loan amount$80,046
Down payment$20,011
Rate6.50%
Term30 years
-Operating costs-$384
Property taxes-$100
Insurance-$175
Utilities$0
HOA$0
Management-$109
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$17,761(88.8% ROI)
Projected value
$107,751
Current value$100,057
Return breakdown
Property appreciation+$7,693
Loan principal paid down+$2,868
Rental cash flow+$7,200
5-year hold
+$30,262(151.2% ROI)
Projected value
$113,205
Current value$100,057
Return breakdown
Property appreciation+$13,148
Loan principal paid down+$5,114
Rental cash flow+$12,000
10-year hold
+$64,210(320.9% ROI)
Projected value
$128,081
Current value$100,057
Return breakdown
Property appreciation+$28,024
Loan principal paid down+$12,186
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
0.61ratio
FMR$820
Market$1,340
vs market-$520

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

90% standard$738 / 0.55 ratio110% standard$902 / 0.67 ratio
0.61
1 BR
1 BR
0.67ratio
FMR$930
Market$1,390
vs market-$460

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

90% standard$837 / 0.60 ratio110% standard$1,023 / 0.74 ratio
0.67
2 BR
2 BR
0.90ratio
FMR$1,020
Market$1,130
vs market-$110

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

90% standard$918 / 0.81 ratio110% standard$1,122 / 0.99 ratio
0.90
3 BR
3 BR
0.96ratio
FMR$1,280
Market$1,330
vs market-$50

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

90% standard$1,152 / 0.87 ratio110% standard$1,408 / 1.06 ratio
0.96
4 BR
4 BR
0.97ratio
FMR$1,450
Market$1,490
vs market-$40

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

90% standard$1,305 / 0.88 ratio110% standard$1,595 / 1.07 ratio
0.97
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 35203 (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.

35203 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 35203 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,020 and the 4 bedroom fair market rent is $1,450.

Use this page for searches like 35203 FMR, 35203 fair market rent, and 35203 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 35203
Bedroom sizeHUD FMR
Studio$820
1 bedroom$930
2 bedroom$1,020
3 bedroom$1,280
4 bedroom$1,450