37130
ZIPSAFMR
Rutherford County, TN
BRFMR
Eff. Rent
0 BR$1,280$1,410
1 BR$1,340$1,400
2 BR$1,470$1,560
3 BR$1,880$1,930
4 BR$2,290$2,270
5 BR$2,634
6 BR$3,029
7 BR$3,483
8 BR$4,005

Purchase Price Calculator

Maximum purchase price
$169,899

Cost breakdown

+Likely effective rent$1,560
HUD FMR$1,470
Market rent$1,610
Est. payment standard (106%)Used$1,560
Estimated payment standard is $1,560 (106% of FMR).
-Principal and interest-$859
Loan amount$135,919
Down payment$33,980
Rate6.50%
Term30 years
-Operating costs-$501
Property taxes-$170
Insurance-$175
Utilities$0
HOA$0
Management-$156
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,133(74.0% ROI)
Projected value
$182,962
Current value$169,899
Return breakdown
Property appreciation+$13,064
Loan principal paid down+$4,870
Rental cash flow+$7,200
5-year hold
+$43,010(126.6% ROI)
Projected value
$192,225
Current value$169,899
Return breakdown
Property appreciation+$22,326
Loan principal paid down+$8,684
Rental cash flow+$12,000
10-year hold
+$92,278(271.6% ROI)
Projected value
$217,485
Current value$169,899
Return breakdown
Property appreciation+$47,586
Loan principal paid down+$20,692
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
0.86ratio
FMR$1,280
Market$1,490
vs market-$210

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

90% standard$1,152 / 0.77 ratio110% standard$1,408 / 0.94 ratio
0.86
1 BR
1 BR
0.94ratio
FMR$1,340
Market$1,430
vs market-$90

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

90% standard$1,206 / 0.84 ratio110% standard$1,474 / 1.03 ratio
0.94
2 BR
2 BR
0.91ratio
FMR$1,470
Market$1,610
vs market-$140

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

90% standard$1,323 / 0.82 ratio110% standard$1,617 / 1.00 ratio
0.91
3 BR
3 BR
0.96ratio
FMR$1,880
Market$1,960
vs market-$80

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

90% standard$1,692 / 0.86 ratio110% standard$2,068 / 1.06 ratio
0.96
4 BR
4 BR
1.01ratio
FMR$2,290
Market$2,270
vs market+$20

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

90% standard$2,061 / 0.91 ratio110% standard$2,519 / 1.11 ratio
1.01
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 37130 (TN) 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.

37130 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 37130 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,470 and the 4 bedroom fair market rent is $2,290.

Use this page for searches like 37130 FMR, 37130 fair market rent, and 37130 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 37130
Bedroom sizeHUD FMR
Studio$1,280
1 bedroom$1,340
2 bedroom$1,470
3 bedroom$1,880
4 bedroom$2,290