37312
ZIPSAFMR
Bradley County, TN
BRFMR
Eff. Rent
0 BR$980$1,080
1 BR$1,080$1,190
2 BR$1,420$1,480
3 BR$1,820$1,830
4 BR$1,880$2,070
5 BR$2,162
6 BR$2,486
7 BR$2,859
8 BR$3,288

Purchase Price Calculator

Maximum purchase price
$158,011

Cost breakdown

+Likely effective rent$1,480
HUD FMR$1,420
Market rent$1,510
Est. payment standard (104%)Used$1,480
Estimated payment standard is $1,480 (104% of FMR).
-Principal and interest-$799
Loan amount$126,409
Down payment$31,602
Rate6.50%
Term30 years
-Operating costs-$481
Property taxes-$158
Insurance-$175
Utilities$0
HOA$0
Management-$148
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,878(75.6% ROI)
Projected value
$170,160
Current value$158,011
Return breakdown
Property appreciation+$12,150
Loan principal paid down+$4,529
Rental cash flow+$7,200
5-year hold
+$40,840(129.2% ROI)
Projected value
$178,775
Current value$158,011
Return breakdown
Property appreciation+$20,764
Loan principal paid down+$8,076
Rental cash flow+$12,000
10-year hold
+$87,501(276.9% ROI)
Projected value
$202,267
Current value$158,011
Return breakdown
Property appreciation+$44,256
Loan principal paid down+$19,244
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
0.84ratio
FMR$980
Market$1,170
vs market-$190

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

90% standard$882 / 0.75 ratio110% standard$1,078 / 0.92 ratio
0.84
1 BR
1 BR
0.85ratio
FMR$1,080
Market$1,270
vs market-$190

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

90% standard$972 / 0.77 ratio110% standard$1,188 / 0.94 ratio
0.85
2 BR
2 BR
0.94ratio
FMR$1,420
Market$1,510
vs market-$90

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

90% standard$1,278 / 0.85 ratio110% standard$1,562 / 1.03 ratio
0.94
3 BR
3 BR
0.99ratio
FMR$1,820
Market$1,840
vs market-$20

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

90% standard$1,638 / 0.89 ratio110% standard$2,002 / 1.09 ratio
0.99
4 BR
4 BR
0.82ratio
FMR$1,880
Market$2,290
vs market-$410

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

90% standard$1,692 / 0.74 ratio110% standard$2,068 / 0.90 ratio
0.82
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 37312 (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.

37312 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 37312 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,420 and the 4 bedroom fair market rent is $1,880.

Use this page for searches like 37312 FMR, 37312 fair market rent, and 37312 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 37312
Bedroom sizeHUD FMR
Studio$980
1 bedroom$1,080
2 bedroom$1,420
3 bedroom$1,820
4 bedroom$1,880