36527
ZIPSAFMR
Baldwin County, AL
BRFMR
Eff. Rent
0 BR$1,280$1,410
1 BR$1,410$1,550
2 BR$1,580$1,680
3 BR$1,990$1,880
4 BR$2,550$2,140
5 BR$2,933
6 BR$3,372
7 BR$3,878
8 BR$4,460

Purchase Price Calculator

Maximum purchase price
$187,731

Cost breakdown

+Likely effective rent$1,680
HUD FMR$1,580
Market rent$1,740
Est. payment standard (107%)Used$1,680
Estimated payment standard is $1,680 (107% of FMR).
-Principal and interest-$949
Loan amount$150,185
Down payment$37,546
Rate6.50%
Term30 years
-Operating costs-$531
Property taxes-$188
Insurance-$175
Utilities$0
HOA$0
Management-$168
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,015(72.0% ROI)
Projected value
$202,166
Current value$187,731
Return breakdown
Property appreciation+$14,435
Loan principal paid down+$5,381
Rental cash flow+$7,200
5-year hold
+$46,265(123.2% ROI)
Projected value
$212,400
Current value$187,731
Return breakdown
Property appreciation+$24,669
Loan principal paid down+$9,595
Rental cash flow+$12,000
10-year hold
+$99,444(264.9% ROI)
Projected value
$240,311
Current value$187,731
Return breakdown
Property appreciation+$52,581
Loan principal paid down+$22,864
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
0.67ratio
FMR$1,280
Market$1,910
vs market-$630

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

90% standard$1,152 / 0.60 ratio110% standard$1,408 / 0.74 ratio
0.67
1 BR
1 BR
0.76ratio
FMR$1,410
Market$1,850
vs market-$440

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

90% standard$1,269 / 0.69 ratio110% standard$1,551 / 0.84 ratio
0.76
2 BR
2 BR
0.91ratio
FMR$1,580
Market$1,740
vs market-$160

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

90% standard$1,422 / 0.82 ratio110% standard$1,738 / 1.00 ratio
0.91
3 BR
3 BR
1.06ratio
FMR$1,990
Market$1,880
vs market+$110

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

90% standard$1,791 / 0.95 ratio110% standard$2,189 / 1.16 ratio
1.06
4 BR
4 BR
1.19ratio
FMR$2,550
Market$2,140
vs market+$410

FMR is above market; underwrite to market rent.

90% standard$2,295 / 1.07 ratio110% standard$2,805 / 1.31 ratio
1.19
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 36527 (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.

36527 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 36527 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,580 and the 4 bedroom fair market rent is $2,550.

Use this page for searches like 36527 FMR, 36527 fair market rent, and 36527 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 36527
Bedroom sizeHUD FMR
Studio$1,280
1 bedroom$1,410
2 bedroom$1,580
3 bedroom$1,990
4 bedroom$2,550