35209
ZIPSAFMR
Jefferson County, AL
BRFMR
Eff. Rent
0 BR$1,280$1,200
1 BR$1,440$1,480
2 BR$1,580$1,740
3 BR$1,980$2,180
4 BR$2,250$2,480
5 BR$2,588
6 BR$2,976
7 BR$3,422
8 BR$3,935

Purchase Price Calculator

Maximum purchase price
$196,647

Cost breakdown

+Likely effective rent$1,740
HUD FMR$1,580
Market rent$1,840
Est. payment standard (110%)Used$1,740
Estimated payment standard is $1,740 (110% of FMR).
-Principal and interest-$994
Loan amount$157,317
Down payment$39,329
Rate6.50%
Term30 years
-Operating costs-$546
Property taxes-$197
Insurance-$175
Utilities$0
HOA$0
Management-$174
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,957(71.1% ROI)
Projected value
$211,767
Current value$196,647
Return breakdown
Property appreciation+$15,120
Loan principal paid down+$5,636
Rental cash flow+$7,200
5-year hold
+$47,892(121.8% ROI)
Projected value
$222,488
Current value$196,647
Return breakdown
Property appreciation+$25,841
Loan principal paid down+$10,051
Rental cash flow+$12,000
10-year hold
+$103,028(262.0% ROI)
Projected value
$251,725
Current value$196,647
Return breakdown
Property appreciation+$55,078
Loan principal paid down+$23,950
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
1.07ratio
FMR$1,280
Market$1,200
vs market+$80

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

90% standard$1,152 / 0.96 ratio110% standard$1,408 / 1.17 ratio
1.07
1 BR
1 BR
0.96ratio
FMR$1,440
Market$1,500
vs market-$60

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

90% standard$1,296 / 0.86 ratio110% standard$1,584 / 1.06 ratio
0.96
2 BR
2 BR
0.86ratio
FMR$1,580
Market$1,840
vs market-$260

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

90% standard$1,422 / 0.77 ratio110% standard$1,738 / 0.94 ratio
0.86
3 BR
3 BR
0.74ratio
FMR$1,980
Market$2,660
vs market-$680

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

90% standard$1,782 / 0.67 ratio110% standard$2,178 / 0.82 ratio
0.74
4 BR
4 BR
0.70ratio
FMR$2,250
Market$3,220
vs market-$970

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

90% standard$2,025 / 0.63 ratio110% standard$2,475 / 0.77 ratio
0.70
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 35209 (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.

35209 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 35209 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,580 and the 4 bedroom fair market rent is $2,250.

Use this page for searches like 35209 FMR, 35209 fair market rent, and 35209 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 35209
Bedroom sizeHUD FMR
Studio$1,280
1 bedroom$1,440
2 bedroom$1,580
3 bedroom$1,980
4 bedroom$2,250