35206
ZIPSAFMR
Jefferson County, AL
BRFMR
Eff. Rent
0 BR$930$960
1 BR$1,050$910
2 BR$1,150$950
3 BR$1,440$1,240
4 BR$1,640$1,460
5 BR$1,886
6 BR$2,169
7 BR$2,494
8 BR$2,868

Purchase Price Calculator

Maximum purchase price
$79,253

Cost breakdown

+Likely effective rent$950
HUD FMR$1,150
Market rentUsed$950
Est. payment standard (90%)$1,040
Market rent is below the inferred standard ($1,040, 90% of FMR).
-Principal and interest-$401
Loan amount$63,402
Down payment$15,851
Rate6.50%
Term30 years
-Operating costs-$349
Property taxes-$79
Insurance-$175
Utilities$0
HOA$0
Management-$95
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$15,565(98.2% ROI)
Projected value
$85,347
Current value$79,253
Return breakdown
Property appreciation+$6,094
Loan principal paid down+$2,272
Rental cash flow+$7,200
5-year hold
+$26,465(167.0% ROI)
Projected value
$89,668
Current value$79,253
Return breakdown
Property appreciation+$10,415
Loan principal paid down+$4,051
Rental cash flow+$12,000
10-year hold
+$55,850(352.4% ROI)
Projected value
$101,451
Current value$79,253
Return breakdown
Property appreciation+$22,198
Loan principal paid down+$9,652
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
0.95ratio
FMR$930
Market$980
vs market-$50

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

90% standard$837 / 0.85 ratio110% standard$1,023 / 1.04 ratio
0.95
1 BR
1 BR
1.15ratio
FMR$1,050
Market$910
vs market+$140

FMR is above market; underwrite to market rent.

90% standard$945 / 1.04 ratio110% standard$1,155 / 1.27 ratio
1.15
2 BR
2 BR
1.21ratio
FMR$1,150
Market$950
vs market+$200

FMR is above market; underwrite to market rent.

90% standard$1,035 / 1.09 ratio110% standard$1,265 / 1.33 ratio
1.21
3 BR
3 BR
1.16ratio
FMR$1,440
Market$1,240
vs market+$200

FMR is above market; underwrite to market rent.

90% standard$1,296 / 1.05 ratio110% standard$1,584 / 1.28 ratio
1.16
4 BR
4 BR
1.12ratio
FMR$1,640
Market$1,460
vs market+$180

FMR is above market; underwrite to market rent.

90% standard$1,476 / 1.01 ratio110% standard$1,804 / 1.24 ratio
1.12
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 35206 (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.

35206 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 35206 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,150 and the 4 bedroom fair market rent is $1,640.

Use this page for searches like 35206 FMR, 35206 fair market rent, and 35206 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 35206
Bedroom sizeHUD FMR
Studio$930
1 bedroom$1,050
2 bedroom$1,150
3 bedroom$1,440
4 bedroom$1,640