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36544

ZIPSAFMR
Mobile County, AL
BRFMR
Eff. Rent
0 BR$670$740
1 BR$730$800
2 BR$900$990
3 BR$1,180$1,210
4 BR$1,210$1,250
5 BR$1,392
6 BR$1,600
7 BR$1,840
8 BR$2,116

Purchase Price Calculator

Maximum purchase price
$85,197

Cost breakdown

+Likely effective rent$990
HUD FMR$900
Market rent$1,140
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

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.60ratio
FMR$670
Market$1,110
vs market-$440

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

90% standard$603 / 0.54 ratio110% standard$737 / 0.66 ratio
0.60
1 BR
1 BR
0.68ratio
FMR$730
Market$1,070
vs market-$340

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

90% standard$657 / 0.61 ratio110% standard$803 / 0.75 ratio
0.68
2 BR
2 BR
0.79ratio
FMR$900
Market$1,140
vs market-$240

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

90% standard$810 / 0.71 ratio110% standard$990 / 0.87 ratio
0.79
3 BR
3 BR
0.97ratio
FMR$1,180
Market$1,220
vs market-$40

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

90% standard$1,062 / 0.87 ratio110% standard$1,298 / 1.06 ratio
0.97
4 BR
4 BR
0.95ratio
FMR$1,210
Market$1,270
vs market-$60

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

90% standard$1,089 / 0.86 ratio110% standard$1,331 / 1.05 ratio
0.95
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit 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 36544 (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.

36544 fair market rent benchmarks

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 36544 shows monthly rent benchmarks 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 $1,210.

Use these values to compare bedroom-size rent benchmarks and screen a property's rent assumptions. Local housing authorities set voucher payment standards, which may be above or below published HUD FMR, so confirm the applicable authority and current schedule before underwriting a property. Read the FMR and payment-standard guide for the full verification workflow.

FY 2026 Fair Market Rent by bedroom size for 36544
Bedroom sizeHUD FMR
Studio$670
1 bedroom$730
2 bedroom$900
3 bedroom$1,180
4 bedroom$1,210