37161
ZIPFMR
Bedford County, TN
BRFMR
Eff. Rent
0 BR$796$880
1 BR$928$1,020
2 BR$1,017$1,120
3 BR$1,414$1,560
4 BR$1,641$1,810
5 BR$1,887
6 BR$2,170
7 BR$2,496
8 BR$2,870

Purchase Price Calculator

Maximum purchase price
$104,515

Cost breakdown

+Likely effective rent$1,120
HUD FMR$1,017
Market rent$1,640
Est. payment standard (110%)Used$1,120
Estimated payment standard is $1,120 (110% of FMR).
-Principal and interest-$528
Loan amount$83,612
Down payment$20,903
Rate6.50%
Term30 years
-Operating costs-$392
Property taxes-$105
Insurance-$175
Utilities$0
HOA$0
Management-$112
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$18,232(87.2% ROI)
Projected value
$112,551
Current value$104,515
Return breakdown
Property appreciation+$8,036
Loan principal paid down+$2,996
Rental cash flow+$7,200
5-year hold
+$31,076(148.7% ROI)
Projected value
$118,249
Current value$104,515
Return breakdown
Property appreciation+$13,734
Loan principal paid down+$5,342
Rental cash flow+$12,000
10-year hold
+$66,002(315.8% ROI)
Projected value
$133,788
Current value$104,515
Return breakdown
Property appreciation+$29,273
Loan principal paid down+$12,729
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
0.61ratio
FMR$796
Market$1,310
vs market-$514

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

90% standard$716 / 0.55 ratio110% standard$876 / 0.67 ratio
0.61
1 BR
1 BR
0.74ratio
FMR$928
Market$1,250
vs market-$322

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

90% standard$835 / 0.67 ratio110% standard$1,021 / 0.82 ratio
0.74
2 BR
2 BR
0.62ratio
FMR$1,017
Market$1,640
vs market-$623

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

90% standard$915 / 0.56 ratio110% standard$1,119 / 0.68 ratio
0.62
3 BR
3 BR
0.74ratio
FMR$1,414
Market$1,900
vs market-$486

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

90% standard$1,273 / 0.67 ratio110% standard$1,555 / 0.82 ratio
0.74
4 BR
4 BR
0.81ratio
FMR$1,641
Market$2,030
vs market-$389

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

90% standard$1,477 / 0.73 ratio110% standard$1,805 / 0.89 ratio
0.81
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom 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 37161 (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 FMR 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.

37161 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 37161 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,017 and the 4 bedroom fair market rent is $1,641.

Use this page for searches like 37161 FMR, 37161 fair market rent, and 37161 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 37161
Bedroom sizeHUD FMR
Studio$796
1 bedroom$928
2 bedroom$1,017
3 bedroom$1,414
4 bedroom$1,641