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Baldwin County/Citronelle/36522

36522

ZIPSAFMR
Baldwin County, AL
Zillow

ZIP Investment Score

92Below average

095130300
BRFMR
Eff. Rent
0 BR$800$800
1 BR$840$840
2 BR$980$980
3 BR$1,270$1,270
4 BR$1,370$1,370
5 BR$1,575Not available
6 BR$1,812Not available
7 BR$2,084Not available
8 BR$2,396Not available

Purchase Price Calculator

Maximum purchase price
$83,711

Cost breakdown

+Likely effective rent$980
HUD FMRUsed$980
Market rentN/A
Est. payment standardN/A
-Principal and interest-$423
Loan amount$66,969
Down payment$16,742
Rate6.50%
Term30 years
-Operating costs-$357
Property taxes-$84
Insurance-$175
Utilities$0
HOA$0
Management-$98
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,036(95.8% ROI)
Projected value
$90,148
Return breakdown
Property appreciation+$6,437
Loan principal paid down+$2,399
Rental cash flow+$7,200
5-year hold
+$27,279(162.9% ROI)
Projected value
$94,711
Return breakdown
Property appreciation+$11,000
Loan principal paid down+$4,279
Rental cash flow+$12,000
10-year hold
+$57,641(344.3% ROI)
Projected value
$107,157
Return breakdown
Property appreciation+$23,446
Loan principal paid down+$10,195
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 36522 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 36522 (Citronelle, AL) is $980 a month. That is up 8.9% from $900 in FY 2026. Citronelle is in the Daphne-Fairhope-Foley, AL MSA. 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 metro-wide two-bedroom FMR of $1,434. Among 37 ZIP codes in Baldwin County, 36522 has the 32nd-highest two-bedroom rent (county range $920–$1,680).

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 36522
BedroomsFY 2027Change90–110% range
Studio$800+21.2%$720–$880
1BR$840+15.1%$756–$924
2BR$980+8.9%$882–$1,078
3BR$1,270+7.6%$1,143–$1,397
4BR$1,370+13.2%$1,233–$1,507

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 36522
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$800$840$980$1,270$1,370
FY 2026$660$730$900$1,180$1,210
FY 2025$730$810$990$1,310$1,340
FY 2024$670$730$900$1,190$1,260
FY 2023$650$700$860$1,150$1,230

Two-bedroom rent in nearby Baldwin County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 36522
36507$1,220+24.5%
36511$1,390+41.8%
36522Current$980—
36524$920−6.1%
36525$1,080+10.2%
36526$1,600+63.3%
36527$1,630+66.3%
36530$1,230+25.5%
36532$1,680+71.4%
36533$1,430+45.9%
36535$1,320+34.7%
36536$1,430+45.9%

Questions about ZIP 36522 rents

How much will Section 8 pay for a two-bedroom in ZIP 36522?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,434, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,291 to $1,577 a month; under the ZIP-level Small Area FMR of $980 it would be $882 to $1,078. 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 36522 in?

ZIP 36522 is in the Daphne-Fairhope-Foley, AL MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,434.

How much did fair market rent change in ZIP 36522 for FY 2027?

The two-bedroom FMR rose 8.9%, from $900 in FY 2026 to $980 in FY 2027. Since FY 2023 it has risen 14.0%.

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