37814
ZIPSAFMR
Hamblen County, TN
BRFMR
Eff. Rent
0 BR$890$980
1 BR$900$990
2 BR$1,150$1,260
3 BR$1,460$1,610
4 BR$1,850$2,040
5 BR$2,128
6 BR$2,447
7 BR$2,814
8 BR$3,236

Purchase Price Calculator

Maximum purchase price
$125,319

Cost breakdown

+Likely effective rent$1,260
HUD FMR$1,150
Market rent$1,320
Est. payment standard (110%)Used$1,260
Estimated payment standard is $1,260 (110% of FMR).
-Principal and interest-$634
Loan amount$100,255
Down payment$25,064
Rate6.50%
Term30 years
-Operating costs-$426
Property taxes-$125
Insurance-$175
Utilities$0
HOA$0
Management-$126
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,428(81.5% ROI)
Projected value
$134,955
Current value$125,319
Return breakdown
Property appreciation+$9,636
Loan principal paid down+$3,592
Rental cash flow+$7,200
5-year hold
+$34,873(139.1% ROI)
Projected value
$141,787
Current value$125,319
Return breakdown
Property appreciation+$16,468
Loan principal paid down+$6,405
Rental cash flow+$12,000
10-year hold
+$74,363(296.7% ROI)
Projected value
$160,419
Current value$125,319
Return breakdown
Property appreciation+$35,100
Loan principal paid down+$15,263
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
0.82ratio
FMR$890
Market$1,080
vs market-$190

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

90% standard$801 / 0.74 ratio110% standard$979 / 0.91 ratio
0.82
1 BR
1 BR
0.76ratio
FMR$900
Market$1,190
vs market-$290

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

90% standard$810 / 0.68 ratio110% standard$990 / 0.83 ratio
0.76
2 BR
2 BR
0.87ratio
FMR$1,150
Market$1,320
vs market-$170

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

90% standard$1,035 / 0.78 ratio110% standard$1,265 / 0.96 ratio
0.87
3 BR
3 BR
0.79ratio
FMR$1,460
Market$1,840
vs market-$380

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

90% standard$1,314 / 0.71 ratio110% standard$1,606 / 0.87 ratio
0.79
4 BR
4 BR
0.85ratio
FMR$1,850
Market$2,180
vs market-$330

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

90% standard$1,665 / 0.76 ratio110% standard$2,035 / 0.93 ratio
0.85
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 37814 (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.

37814 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 37814 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,150 and the 4 bedroom fair market rent is $1,850.

Use this page for searches like 37814 FMR, 37814 fair market rent, and 37814 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 37814
Bedroom sizeHUD FMR
Studio$890
1 bedroom$900
2 bedroom$1,150
3 bedroom$1,460
4 bedroom$1,850