37771
ZIPSAFMR
Roane County, TN
BRFMR
Eff. Rent
0 BR$1,030$1,130
1 BR$1,030$1,130
2 BR$1,280$1,410
3 BR$1,620$1,780
4 BR$1,900$2,090
5 BR$2,185
6 BR$2,513
7 BR$2,890
8 BR$3,323

Purchase Price Calculator

Maximum purchase price
$147,609

Cost breakdown

+Likely effective rent$1,410
HUD FMR$1,280
Market rent$1,630
Est. payment standard (110%)Used$1,410
Estimated payment standard is $1,410 (110% of FMR).
-Principal and interest-$746
Loan amount$118,087
Down payment$29,522
Rate6.50%
Term30 years
-Operating costs-$464
Property taxes-$148
Insurance-$175
Utilities$0
HOA$0
Management-$141
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,781(77.2% ROI)
Projected value
$158,959
Current value$147,609
Return breakdown
Property appreciation+$11,350
Loan principal paid down+$4,231
Rental cash flow+$7,200
5-year hold
+$38,942(131.9% ROI)
Projected value
$167,006
Current value$147,609
Return breakdown
Property appreciation+$19,397
Loan principal paid down+$7,545
Rental cash flow+$12,000
10-year hold
+$83,320(282.2% ROI)
Projected value
$188,952
Current value$147,609
Return breakdown
Property appreciation+$41,343
Loan principal paid down+$17,977
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
0.68ratio
FMR$1,030
Market$1,510
vs market-$480

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

90% standard$927 / 0.61 ratio110% standard$1,133 / 0.75 ratio
0.68
1 BR
1 BR
0.69ratio
FMR$1,030
Market$1,500
vs market-$470

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

90% standard$927 / 0.62 ratio110% standard$1,133 / 0.76 ratio
0.69
2 BR
2 BR
0.79ratio
FMR$1,280
Market$1,630
vs market-$350

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

90% standard$1,152 / 0.71 ratio110% standard$1,408 / 0.86 ratio
0.79
3 BR
3 BR
0.73ratio
FMR$1,620
Market$2,210
vs market-$590

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

90% standard$1,458 / 0.66 ratio110% standard$1,782 / 0.81 ratio
0.73
4 BR
4 BR
0.75ratio
FMR$1,900
Market$2,530
vs market-$630

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

90% standard$1,710 / 0.68 ratio110% standard$2,090 / 0.83 ratio
0.75
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 37771 (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.

37771 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 37771 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,280 and the 4 bedroom fair market rent is $1,900.

Use this page for searches like 37771 FMR, 37771 fair market rent, and 37771 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 37771
Bedroom sizeHUD FMR
Studio$1,030
1 bedroom$1,030
2 bedroom$1,280
3 bedroom$1,620
4 bedroom$1,900