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Winston County/Arley/35541

35541

ZIPSAFMR
Winston County, AL
Zillow

ZIP Investment Score

86Below average

095130300
BRFMR
Eff. Rent
0 BR$820$820
1 BR$910$910
2 BR$1,050$1,050
3 BR$1,450$1,450
4 BR$1,600$1,600
5 BR$1,840Not available
6 BR$2,116Not available
7 BR$2,433Not available
8 BR$2,798Not available

Purchase Price Calculator

Maximum purchase price
$94,113

Cost breakdown

+Likely effective rent$1,050
HUD FMRUsed$1,050
Market rentN/A
Est. payment standardN/A
-Principal and interest-$476
Loan amount$75,290
Down payment$18,823
Rate6.50%
Term30 years
-Operating costs-$374
Property taxes-$94
Insurance-$175
Utilities$0
HOA$0
Management-$105
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$17,134(91.0% ROI)
Projected value
$101,349
Return breakdown
Property appreciation+$7,236
Loan principal paid down+$2,697
Rental cash flow+$7,200
5-year hold
+$29,178(155.0% ROI)
Projected value
$106,480
Return breakdown
Property appreciation+$12,367
Loan principal paid down+$4,810
Rental cash flow+$12,000
10-year hold
+$61,822(328.4% ROI)
Projected value
$120,473
Return breakdown
Property appreciation+$26,360
Loan principal paid down+$11,462
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
--
Mortgage rate
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ZIP 35541 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 35541 (Arley, AL) is $1,050 a month. That is up 16.7% from $900 in FY 2026. Arley is in the Winston County, AL non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $921. Among 3 ZIP codes in Winston County, 35541 has the highest two-bedroom rent (county range $920–$1,050). The median county two-bedroom FMR in Alabama is $975, so ZIP 35541 is 8% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 35541
BedroomsFY 2027Change90–110% range
Studio$820+22.4%$738–$902
1BR$910+24.7%$819–$1,001
2BR$1,050+16.7%$945–$1,155
3BR$1,450+16.9%$1,305–$1,595
4BR$1,600+20.3%$1,440–$1,760

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 35541
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$820$910$1,050$1,450$1,600
FY 2026$670$730$900$1,240$1,330
FY 2025$700$700$920$1,240$1,360
FY 2024area FMR$642$652$857$1,175$1,192
FY 2023area FMR$560$562$740$1,014$1,018

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Winston County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 35541
35541Current$1,050—
35553$920−12.4%
35577$920−12.4%

Questions about ZIP 35541 rents

How much will Section 8 pay for a two-bedroom in ZIP 35541?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $921, which applies unless the housing authority uses Small Area FMRs, that basic range is $829 to $1,013 a month; under the ZIP-level Small Area FMR of $1,050 it would be $945 to $1,155. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 35541 in?

ZIP 35541 is in the Winston County, AL non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $921.

How much did fair market rent change in ZIP 35541 for FY 2027?

The two-bedroom FMR rose 16.7%, from $900 in FY 2026 to $1,050 in FY 2027. Since FY 2025 it has risen 14.1%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentArley, AL fair market rentAL statewide rentsWhat is SAFMR?Data sources