39305
ZIPSAFMR
Lauderdale County, MS
BRFMR
Eff. Rent
0 BR$860$950
1 BR$900$950
2 BR$1,000$1,100
3 BR$1,330$1,380
4 BR$1,400$1,540
5 BR$1,610
6 BR$1,851
7 BR$2,129
8 BR$2,449

Purchase Price Calculator

Maximum purchase price
$101,543

Cost breakdown

+Likely effective rent$1,100
HUD FMR$1,000
Market rent$1,390
Est. payment standard (110%)Used$1,100
Estimated payment standard is $1,100 (110% of FMR).
-Principal and interest-$513
Loan amount$81,234
Down payment$20,309
Rate6.50%
Term30 years
-Operating costs-$387
Property taxes-$102
Insurance-$175
Utilities$0
HOA$0
Management-$110
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$17,918(88.2% ROI)
Projected value
$109,351
Current value$101,543
Return breakdown
Property appreciation+$7,808
Loan principal paid down+$2,910
Rental cash flow+$7,200
5-year hold
+$30,534(150.3% ROI)
Projected value
$114,887
Current value$101,543
Return breakdown
Property appreciation+$13,344
Loan principal paid down+$5,190
Rental cash flow+$12,000
10-year hold
+$64,808(319.1% ROI)
Projected value
$129,984
Current value$101,543
Return breakdown
Property appreciation+$28,441
Loan principal paid down+$12,367
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.86ratio
FMR$860
Market$1,000
vs market-$140

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

90% standard$774 / 0.77 ratio110% standard$946 / 0.95 ratio
0.86
1 BR
1 BR
0.93ratio
FMR$900
Market$970
vs market-$70

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

90% standard$810 / 0.84 ratio110% standard$990 / 1.02 ratio
0.93
2 BR
2 BR
0.72ratio
FMR$1,000
Market$1,390
vs market-$390

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

90% standard$900 / 0.65 ratio110% standard$1,100 / 0.79 ratio
0.72
3 BR
3 BR
0.94ratio
FMR$1,330
Market$1,410
vs market-$80

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

90% standard$1,197 / 0.85 ratio110% standard$1,463 / 1.04 ratio
0.94
4 BR
4 BR
0.74ratio
FMR$1,400
Market$1,900
vs market-$500

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

90% standard$1,260 / 0.66 ratio110% standard$1,540 / 0.81 ratio
0.74
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 39305 (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.

39305 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 39305 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,000 and the 4 bedroom fair market rent is $1,400.

Use this page for searches like 39305 FMR, 39305 fair market rent, and 39305 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 39305
Bedroom sizeHUD FMR
Studio$860
1 bedroom$900
2 bedroom$1,000
3 bedroom$1,330
4 bedroom$1,400