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Baldwin County/Daphne/36527

36527

ZIPSAFMR
Baldwin County, AL
Zillow

ZIP Investment Score

90Below average

095130300
BRFMR
Eff. Rent
0 BR$1,340$1,470
1 BR$1,500$1,650
2 BR$1,630$1,700
3 BR$2,110$1,880
4 BR$2,670$2,140
5 BR$3,070Not available
6 BR$3,531Not available
7 BR$4,061Not available
8 BR$4,670Not available

Purchase Price Calculator

Maximum purchase price
$190,703

Cost breakdown

+Likely effective rent$1,700
HUD FMR$1,630
Market rent$1,740
Est. payment standard (104%)Used$1,700
-Principal and interest-$964
Loan amount$152,562
Down payment$38,141
Rate6.50%
Term30 years
-Operating costs-$536
Property taxes-$191
Insurance-$175
Utilities$0
HOA$0
Management-$170
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,329(71.7% ROI)
Projected value
$205,366
Return breakdown
Property appreciation+$14,663
Loan principal paid down+$5,466
Rental cash flow+$7,200
5-year hold
+$46,807(122.7% ROI)
Projected value
$215,763
Return breakdown
Property appreciation+$25,060
Loan principal paid down+$9,747
Rental cash flow+$12,000
10-year hold
+$100,639(263.9% ROI)
Projected value
$244,116
Return breakdown
Property appreciation+$53,413
Loan principal paid down+$23,226
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.70
1 BR
0.81
2 BR
0.94
3 BR
1.12
4 BR
1.25
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 36527 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 36527 (Daphne, AL) is $1,630 a month. That is up 3.2% from $1,580 in FY 2026. Daphne 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, 36527 is tied for the 3rd-highest two-bedroom rent (county range $920–$1,680). The median county two-bedroom FMR in Alabama is $975, so ZIP 36527 is 67% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 36527
BedroomsFY 2027Change90–110% range
Studio$1,340+4.7%$1,206–$1,474
1BR$1,500+6.4%$1,350–$1,650
2BR$1,630+3.2%$1,467–$1,793
3BR$2,110+6.0%$1,899–$2,321
4BR$2,670+4.7%$2,403–$2,937

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 36527
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,340$1,500$1,630$2,110$2,670
FY 2026$1,280$1,410$1,580$1,990$2,550
FY 2025$1,170$1,260$1,500$1,870$2,380
FY 2024$1,260$1,260$1,630$2,000$2,530
FY 2023$1,110$1,120$1,450$1,840$2,370

Two-bedroom rent in nearby Baldwin County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 36527
36522$980−39.9%
36524$920−43.6%
36525$1,080−33.7%
36526$1,600−1.8%
36527Current$1,630—
36530$1,230−24.5%
36532$1,680+3.1%
36533$1,430−12.3%
36535$1,320−19.0%
36536$1,430−12.3%
36540$920−43.6%
36542$1,560−4.3%

Questions about ZIP 36527 rents

How much will Section 8 pay for a two-bedroom in ZIP 36527?

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 $1,630 it would be $1,467 to $1,793. 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 36527 in?

ZIP 36527 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 36527 for FY 2027?

The two-bedroom FMR rose 3.2%, from $1,580 in FY 2026 to $1,630 in FY 2027. Since FY 2023 it has risen 12.4%.

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