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Cumberland County/Crossville/38558

38558

ZIPSAFMR
Cumberland County, TN
Zillow

ZIP Investment Score

78Below average

095130300
BRFMR
Eff. Rent
0 BR$1,180$1,300
1 BR$1,190$1,310
2 BR$1,560$1,520
3 BR$2,120$1,990
4 BR$2,140$2,120
5 BR$2,461Not available
6 BR$2,830Not available
7 BR$3,255Not available
8 BR$3,743Not available

Purchase Price Calculator

Maximum purchase price
$163,955

Cost breakdown

+Likely effective rent$1,520
HUD FMR$1,560
Market rentUsed$1,520
Est. payment standard (98%)$1,530
-Principal and interest-$829
Loan amount$131,164
Down payment$32,791
Rate6.50%
Term30 years
-Operating costs-$491
Property taxes-$164
Insurance-$175
Utilities$0
HOA$0
Management-$152
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,506(74.7% ROI)
Projected value
$176,561
Return breakdown
Property appreciation+$12,607
Loan principal paid down+$4,699
Rental cash flow+$7,200
5-year hold
+$41,925(127.9% ROI)
Projected value
$185,500
Return breakdown
Property appreciation+$21,545
Loan principal paid down+$8,380
Rental cash flow+$12,000
10-year hold
+$89,889(274.1% ROI)
Projected value
$209,876
Return breakdown
Property appreciation+$45,921
Loan principal paid down+$19,968
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.86
1 BR
0.85
2 BR
1.03
3 BR
1.07
4 BR
1.01
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 38558 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 38558 (Crossville, TN) is $1,560 a month. That is up 10.6% from $1,410 in FY 2026. Crossville is in the Cumberland County, TN non-metropolitan 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 county-wide two-bedroom FMR of $1,039. Among 13 ZIP codes in Cumberland County, 38558 has the highest two-bedroom rent (county range $1,000–$1,560). The median county two-bedroom FMR in Tennessee is $1,048, so ZIP 38558 is 49% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 38558
BedroomsFY 2027Change90–110% range
Studio$1,180+9.3%$1,062–$1,298
1BR$1,190+10.2%$1,071–$1,309
2BR$1,560+10.6%$1,404–$1,716
3BR$2,120+8.7%$1,908–$2,332
4BR$2,140+7.5%$1,926–$2,354

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 38558
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,180$1,190$1,560$2,120$2,140
FY 2026$1,080$1,080$1,410$1,950$1,990
FY 2025$1,060$1,090$1,330$1,860$2,210
FY 2024area FMR$719$723$881$1,242$1,400
FY 2023area FMR$616$620$762$1,083$1,190

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Cumberland County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 38558
37367$1,090−30.1%
37381$1,010−35.3%
37723$1,130−27.6%
37854$1,050−32.7%
38555$1,010−35.3%
38557$1,040−33.3%
38558Current$1,560—
38571$1,010−35.3%
38572$1,070−31.4%
38574$1,000−35.9%
38578$1,000−35.9%
38583$1,040−33.3%

Questions about ZIP 38558 rents

How much will Section 8 pay for a two-bedroom in ZIP 38558?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,039, which applies unless the housing authority uses Small Area FMRs, that basic range is $935 to $1,143 a month; under the ZIP-level Small Area FMR of $1,560 it would be $1,404 to $1,716. 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 38558 in?

ZIP 38558 is in the Cumberland County, TN non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,039.

How much did fair market rent change in ZIP 38558 for FY 2027?

The two-bedroom FMR rose 10.6%, from $1,410 in FY 2026 to $1,560 in FY 2027. Since FY 2025 it has risen 17.3%.

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