38558
ZIPSAFMR
Cumberland County, TN
BRFMR
Eff. Rent
0 BR$1,080$1,190
1 BR$1,080$1,190
2 BR$1,410$1,480
3 BR$1,950$1,980
4 BR$1,990$2,070
5 BR$2,289
6 BR$2,632
7 BR$3,027
8 BR$3,481

Purchase Price Calculator

Maximum purchase price
$158,011

Cost breakdown

+Likely effective rent$1,480
HUD FMR$1,410
Market rent$1,520
Est. payment standard (105%)Used$1,480
Estimated payment standard is $1,480 (105% of FMR).
-Principal and interest-$799
Loan amount$126,409
Down payment$31,602
Rate6.50%
Term30 years
-Operating costs-$481
Property taxes-$158
Insurance-$175
Utilities$0
HOA$0
Management-$148
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,878(75.6% ROI)
Projected value
$170,160
Current value$158,011
Return breakdown
Property appreciation+$12,150
Loan principal paid down+$4,529
Rental cash flow+$7,200
5-year hold
+$40,840(129.2% ROI)
Projected value
$178,775
Current value$158,011
Return breakdown
Property appreciation+$20,764
Loan principal paid down+$8,076
Rental cash flow+$12,000
10-year hold
+$87,501(276.9% ROI)
Projected value
$202,267
Current value$158,011
Return breakdown
Property appreciation+$44,256
Loan principal paid down+$19,244
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
0.79ratio
FMR$1,080
Market$1,370
vs market-$290

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

90% standard$972 / 0.71 ratio110% standard$1,188 / 0.87 ratio
0.79
1 BR
1 BR
0.77ratio
FMR$1,080
Market$1,400
vs market-$320

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

90% standard$972 / 0.69 ratio110% standard$1,188 / 0.85 ratio
0.77
2 BR
2 BR
0.93ratio
FMR$1,410
Market$1,520
vs market-$110

FMR is near market; voucher and private rents are aligned.

90% standard$1,269 / 0.83 ratio110% standard$1,551 / 1.02 ratio
0.93
3 BR
3 BR
0.98ratio
FMR$1,950
Market$1,990
vs market-$40

FMR is near market; voucher and private rents are aligned.

90% standard$1,755 / 0.88 ratio110% standard$2,145 / 1.08 ratio
0.98
4 BR
4 BR
0.94ratio
FMR$1,990
Market$2,120
vs market-$130

FMR is near market; voucher and private rents are aligned.

90% standard$1,791 / 0.84 ratio110% standard$2,189 / 1.03 ratio
0.94
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit 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 38558 (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.

38558 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 38558 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,410 and the 4 bedroom fair market rent is $1,990.

Use this page for searches like 38558 FMR, 38558 fair market rent, and 38558 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 38558
Bedroom sizeHUD FMR
Studio$1,080
1 bedroom$1,080
2 bedroom$1,410
3 bedroom$1,950
4 bedroom$1,990