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Hamblen County/Whitesburg/37891

37891

ZIPSAFMR
Hamblen County, TN
Zillow

ZIP Investment Score

67Below average

095130300
BRFMR
Eff. Rent
0 BR$800$800
1 BR$800$800
2 BR$1,030$1,030
3 BR$1,300$1,300
4 BR$1,650$1,650
5 BR$1,897Not available
6 BR$2,182Not available
7 BR$2,509Not available
8 BR$2,886Not available

Purchase Price Calculator

Maximum purchase price
$91,141

Cost breakdown

+Likely effective rent$1,030
HUD FMRUsed$1,030
Market rentN/A
Est. payment standardN/A
-Principal and interest-$461
Loan amount$72,913
Down payment$18,228
Rate6.50%
Term30 years
-Operating costs-$369
Property taxes-$91
Insurance-$175
Utilities$0
HOA$0
Management-$103
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,820(92.3% ROI)
Projected value
$98,149
Return breakdown
Property appreciation+$7,008
Loan principal paid down+$2,612
Rental cash flow+$7,200
5-year hold
+$28,635(157.1% ROI)
Projected value
$103,118
Return breakdown
Property appreciation+$11,977
Loan principal paid down+$4,658
Rental cash flow+$12,000
10-year hold
+$60,627(332.6% ROI)
Projected value
$116,668
Return breakdown
Property appreciation+$25,527
Loan principal paid down+$11,100
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
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Mortgage rate
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ZIP 37891 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 37891 (Whitesburg, TN) is $1,030 a month. That is up 3.0% from $1,000 in FY 2026. Whitesburg is in the Morristown, TN HUD Metro FMR Area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $1,153. Among 9 ZIP codes in Hamblen County, 37891 is tied for the 7th-highest two-bedroom rent (county range $1,030–$1,290). The median county two-bedroom FMR in Tennessee is $1,048, so ZIP 37891 is 2% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 37891
BedroomsFY 2027Change90–110% range
Studio$800+5.3%$720–$880
1BR$800+2.6%$720–$880
2BR$1,030+3.0%$927–$1,133
3BR$1,300+2.4%$1,170–$1,430
4BR$1,650+4.4%$1,485–$1,815

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 37891
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$800$800$1,030$1,300$1,650
FY 2026$760$780$1,000$1,270$1,580
FY 2025$720$740$960$1,250$1,530
FY 2024$690$710$910$1,210$1,440
FY 2023$600$610$790$1,070$1,230

Two-bedroom rent in nearby Hamblen County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 37891
37711$1,0300.0%
37813$1,140+10.7%
37814$1,160+12.6%
37815$1,140+10.7%
37816$1,140+10.7%
37860$1,0300.0%
37877$1,290+25.2%
37890$1,140+10.7%
37891Current$1,030—

Questions about ZIP 37891 rents

How much will Section 8 pay for a two-bedroom in ZIP 37891?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,153, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,038 to $1,268 a month; under the ZIP-level Small Area FMR of $1,030 it would be $927 to $1,133. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 37891 in?

ZIP 37891 is in the Morristown, TN HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,153.

How much did fair market rent change in ZIP 37891 for FY 2027?

The two-bedroom FMR rose 3.0%, from $1,000 in FY 2026 to $1,030 in FY 2027. Since FY 2023 it has risen 30.4%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentWhitesburg, TN fair market rentTN statewide rentsWhat is SAFMR?Data sources