39110
ZIPSAFMR
Madison County, MS
BRFMR
Eff. Rent
0 BR$1,630$1,790
1 BR$1,640$1,800
2 BR$1,930$2,120
3 BR$2,310$2,320
4 BR$2,560$2,720
5 BR$2,944
6 BR$3,386
7 BR$3,893
8 BR$4,477

Purchase Price Calculator

Maximum purchase price
$253,115

Cost breakdown

+Likely effective rent$2,120
HUD FMR$1,930
Market rent$2,230
Est. payment standard (110%)Used$2,120
Estimated payment standard is $2,120 (110% of FMR).
-Principal and interest-$1,280
Loan amount$202,492
Down payment$50,623
Rate6.50%
Term30 years
-Operating costs-$640
Property taxes-$253
Insurance-$175
Utilities$0
HOA$0
Management-$212
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$33,917(67.0% ROI)
Projected value
$272,577
Current value$253,115
Return breakdown
Property appreciation+$19,462
Loan principal paid down+$7,255
Rental cash flow+$7,200
5-year hold
+$58,199(115.0% ROI)
Projected value
$286,376
Current value$253,115
Return breakdown
Property appreciation+$33,261
Loan principal paid down+$12,937
Rental cash flow+$12,000
10-year hold
+$125,721(248.3% ROI)
Projected value
$324,008
Current value$253,115
Return breakdown
Property appreciation+$70,893
Loan principal paid down+$30,827
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
0.69ratio
FMR$1,630
Market$2,370
vs market-$740

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

90% standard$1,467 / 0.62 ratio110% standard$1,793 / 0.76 ratio
0.69
1 BR
1 BR
0.72ratio
FMR$1,640
Market$2,290
vs market-$650

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

90% standard$1,476 / 0.64 ratio110% standard$1,804 / 0.79 ratio
0.72
2 BR
2 BR
0.87ratio
FMR$1,930
Market$2,230
vs market-$300

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

90% standard$1,737 / 0.78 ratio110% standard$2,123 / 0.95 ratio
0.87
3 BR
3 BR
1.00ratio
FMR$2,310
Market$2,320
vs market-$10

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

90% standard$2,079 / 0.90 ratio110% standard$2,541 / 1.10 ratio
1.00
4 BR
4 BR
0.91ratio
FMR$2,560
Market$2,810
vs market-$250

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

90% standard$2,304 / 0.82 ratio110% standard$2,816 / 1.00 ratio
0.91
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 39110 (MS) 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.

39110 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 39110 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,930 and the 4 bedroom fair market rent is $2,560.

Use this page for searches like 39110 FMR, 39110 fair market rent, and 39110 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 39110
Bedroom sizeHUD FMR
Studio$1,630
1 bedroom$1,640
2 bedroom$1,930
3 bedroom$2,310
4 bedroom$2,560