35218
ZIPSAFMR
Jefferson County, AL
BRFMR
Eff. Rent
0 BR$830$910
1 BR$940$850
2 BR$1,030$930
3 BR$1,290$1,130
4 BR$1,470$1,350
5 BR$1,690
6 BR$1,944
7 BR$2,236
8 BR$2,571

Purchase Price Calculator

Maximum purchase price
$76,281

Cost breakdown

+Likely effective rent$930
HUD FMR$1,030
Market rentUsed$930
Est. payment standard (94%)$970
Market rent is below the inferred standard ($970, 94% of FMR).
-Principal and interest-$386
Loan amount$61,025
Down payment$15,256
Rate6.50%
Term30 years
-Operating costs-$344
Property taxes-$76
Insurance-$175
Utilities$0
HOA$0
Management-$93
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$15,252(100.0% ROI)
Projected value
$82,146
Current value$76,281
Return breakdown
Property appreciation+$5,865
Loan principal paid down+$2,186
Rental cash flow+$7,200
5-year hold
+$25,923(169.9% ROI)
Projected value
$86,305
Current value$76,281
Return breakdown
Property appreciation+$10,024
Loan principal paid down+$3,899
Rental cash flow+$12,000
10-year hold
+$54,656(358.3% ROI)
Projected value
$97,646
Current value$76,281
Return breakdown
Property appreciation+$21,365
Loan principal paid down+$9,290
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
0.86ratio
FMR$830
Market$960
vs market-$130

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

90% standard$747 / 0.78 ratio110% standard$913 / 0.95 ratio
0.86
1 BR
1 BR
1.11ratio
FMR$940
Market$850
vs market+$90

FMR is above market; underwrite to market rent.

90% standard$846 / 1.00 ratio110% standard$1,034 / 1.22 ratio
1.11
2 BR
2 BR
1.11ratio
FMR$1,030
Market$930
vs market+$100

FMR is above market; underwrite to market rent.

90% standard$927 / 1.00 ratio110% standard$1,133 / 1.22 ratio
1.11
3 BR
3 BR
1.14ratio
FMR$1,290
Market$1,130
vs market+$160

FMR is above market; underwrite to market rent.

90% standard$1,161 / 1.03 ratio110% standard$1,419 / 1.26 ratio
1.14
4 BR
4 BR
1.09ratio
FMR$1,470
Market$1,350
vs market+$120

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

90% standard$1,323 / 0.98 ratio110% standard$1,617 / 1.20 ratio
1.09
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 35218 (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.

35218 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 35218 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,030 and the 4 bedroom fair market rent is $1,470.

Use this page for searches like 35218 FMR, 35218 fair market rent, and 35218 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 35218
Bedroom sizeHUD FMR
Studio$830
1 bedroom$940
2 bedroom$1,030
3 bedroom$1,290
4 bedroom$1,470