37650
ZIPSAFMR
Unicoi County, TN
BRFMR
Eff. Rent
0 BR$810$890
1 BR$810$890
2 BR$1,010$1,110
3 BR$1,260$1,390
4 BR$1,410$1,550
5 BR$1,621
6 BR$1,865
7 BR$2,144
8 BR$2,466

Purchase Price Calculator

Maximum purchase price
$103,029

Cost breakdown

+Likely effective rent$1,110
HUD FMR$1,010
Market rent$1,560
Est. payment standard (110%)Used$1,110
Estimated payment standard is $1,110 (110% of FMR).
-Principal and interest-$521
Loan amount$82,423
Down payment$20,606
Rate6.50%
Term30 years
-Operating costs-$389
Property taxes-$103
Insurance-$175
Utilities$0
HOA$0
Management-$111
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$18,075(87.7% ROI)
Projected value
$110,951
Current value$103,029
Return breakdown
Property appreciation+$7,922
Loan principal paid down+$2,953
Rental cash flow+$7,200
5-year hold
+$30,805(149.5% ROI)
Projected value
$116,568
Current value$103,029
Return breakdown
Property appreciation+$13,539
Loan principal paid down+$5,266
Rental cash flow+$12,000
10-year hold
+$65,405(317.4% ROI)
Projected value
$131,886
Current value$103,029
Return breakdown
Property appreciation+$28,857
Loan principal paid down+$12,548
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
0.64ratio
FMR$810
Market$1,260
vs market-$450

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

90% standard$729 / 0.58 ratio110% standard$891 / 0.71 ratio
0.64
1 BR
1 BR
0.68ratio
FMR$810
Market$1,200
vs market-$390

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

90% standard$729 / 0.61 ratio110% standard$891 / 0.74 ratio
0.68
2 BR
2 BR
0.65ratio
FMR$1,010
Market$1,560
vs market-$550

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

90% standard$909 / 0.58 ratio110% standard$1,111 / 0.71 ratio
0.65
3 BR
3 BR
0.70ratio
FMR$1,260
Market$1,810
vs market-$550

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

90% standard$1,134 / 0.63 ratio110% standard$1,386 / 0.77 ratio
0.70
4 BR
4 BR
0.77ratio
FMR$1,410
Market$1,820
vs market-$410

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

90% standard$1,269 / 0.70 ratio110% standard$1,551 / 0.85 ratio
0.77
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 37650 (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.

37650 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 37650 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,010 and the 4 bedroom fair market rent is $1,410.

Use this page for searches like 37650 FMR, 37650 fair market rent, and 37650 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 37650
Bedroom sizeHUD FMR
Studio$810
1 bedroom$810
2 bedroom$1,010
3 bedroom$1,260
4 bedroom$1,410