38346
ZIPFMR
Gibson County, TN
BRFMR
Eff. Rent
0 BR$645$645
1 BR$706$706
2 BR$927$927
3 BR$1,289$1,289
4 BR$1,555$1,555
5 BR$1,788
6 BR$2,056
7 BR$2,365
8 BR$2,720

Purchase Price Calculator

Maximum purchase price
$75,835

Cost breakdown

+Likely effective rent$927
HUD FMRUsed$927
Market rentN/A
Est. payment standardN/A
HUD FMR fallback; market rent is unavailable.
-Principal and interest-$383
Loan amount$60,668
Down payment$15,167
Rate6.50%
Term30 years
-Operating costs-$344
Property taxes-$76
Insurance-$175
Utilities$0
HOA$0
Management-$93
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$15,205(100.2% ROI)
Projected value
$81,666
Current value$75,835
Return breakdown
Property appreciation+$5,831
Loan principal paid down+$2,174
Rental cash flow+$7,200
5-year hold
+$25,841(170.4% ROI)
Projected value
$85,801
Current value$75,835
Return breakdown
Property appreciation+$9,965
Loan principal paid down+$3,876
Rental cash flow+$12,000
10-year hold
+$54,476(359.2% ROI)
Projected value
$97,076
Current value$75,835
Return breakdown
Property appreciation+$21,240
Loan principal paid down+$9,236
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

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

Historical
FY 2022-2026

Data freshness

FMR
FY2026
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 38346 (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 FMR 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.

38346 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 38346 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $927 and the 4 bedroom fair market rent is $1,555.

Use this page for searches like 38346 FMR, 38346 fair market rent, and 38346 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 38346
Bedroom sizeHUD FMR
Studio$645
1 bedroom$706
2 bedroom$927
3 bedroom$1,289
4 bedroom$1,555