36312
ZIPSAFMR
Houston County, AL
BRFMR
Eff. Rent
0 BR$720$790
1 BR$720$790
2 BR$900$990
3 BR$1,220$1,340
4 BR$1,350$1,490
5 BR$1,552
6 BR$1,785
7 BR$2,053
8 BR$2,361

Purchase Price Calculator

Maximum purchase price
$85,197

Cost breakdown

+Likely effective rent$990
HUD FMR$900
Market rent$1,570
Est. payment standard (110%)Used$990
Estimated payment standard is $990 (110% of FMR).
-Principal and interest-$431
Loan amount$68,158
Down payment$17,039
Rate6.50%
Term30 years
-Operating costs-$359
Property taxes-$85
Insurance-$175
Utilities$0
HOA$0
Management-$99
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,193(95.0% ROI)
Projected value
$91,748
Current value$85,197
Return breakdown
Property appreciation+$6,551
Loan principal paid down+$2,442
Rental cash flow+$7,200
5-year hold
+$27,550(161.7% ROI)
Projected value
$96,393
Current value$85,197
Return breakdown
Property appreciation+$11,196
Loan principal paid down+$4,355
Rental cash flow+$12,000
10-year hold
+$58,239(341.8% ROI)
Projected value
$109,059
Current value$85,197
Return breakdown
Property appreciation+$23,862
Loan principal paid down+$10,376
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
0.45ratio
FMR$720
Market$1,610
vs market-$890

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

0.45
1 BR
1 BR
0.47ratio
FMR$720
Market$1,520
vs market-$800

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

0.47
2 BR
2 BR
0.57ratio
FMR$900
Market$1,570
vs market-$670

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

90% standard$810 / 0.52 ratio110% standard$990 / 0.63 ratio
0.57
3 BR
3 BR
0.69ratio
FMR$1,220
Market$1,780
vs market-$560

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

90% standard$1,098 / 0.62 ratio110% standard$1,342 / 0.75 ratio
0.69
4 BR
4 BR
0.73ratio
FMR$1,350
Market$1,860
vs market-$510

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

90% standard$1,215 / 0.65 ratio110% standard$1,485 / 0.80 ratio
0.73
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom 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 36312 (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.

36312 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 36312 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $900 and the 4 bedroom fair market rent is $1,350.

Use this page for searches like 36312 FMR, 36312 fair market rent, and 36312 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 36312
Bedroom sizeHUD FMR
Studio$720
1 bedroom$720
2 bedroom$900
3 bedroom$1,220
4 bedroom$1,350