40065
ZIPSAFMR
Oldham County, KY
BRFMR
Eff. Rent
0 BR$960$1,060
1 BR$1,030$1,130
2 BR$1,150$1,270
3 BR$1,430$1,570
4 BR$1,710$1,880
5 BR$1,966
6 BR$2,261
7 BR$2,601
8 BR$2,991

Purchase Price Calculator

Maximum purchase price
$126,805

Cost breakdown

+Likely effective rent$1,270
HUD FMR$1,150
Market rent$1,800
Est. payment standard (110%)Used$1,270
Estimated payment standard is $1,270 (110% of FMR).
-Principal and interest-$641
Loan amount$101,444
Down payment$25,361
Rate6.50%
Term30 years
-Operating costs-$429
Property taxes-$127
Insurance-$175
Utilities$0
HOA$0
Management-$127
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,585(81.2% ROI)
Projected value
$136,555
Current value$126,805
Return breakdown
Property appreciation+$9,750
Loan principal paid down+$3,634
Rental cash flow+$7,200
5-year hold
+$35,144(138.6% ROI)
Projected value
$143,468
Current value$126,805
Return breakdown
Property appreciation+$16,663
Loan principal paid down+$6,481
Rental cash flow+$12,000
10-year hold
+$74,960(295.6% ROI)
Projected value
$162,321
Current value$126,805
Return breakdown
Property appreciation+$35,516
Loan principal paid down+$15,444
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
0.72ratio
FMR$960
Market$1,340
vs market-$380

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

90% standard$864 / 0.64 ratio110% standard$1,056 / 0.79 ratio
0.72
1 BR
1 BR
0.79ratio
FMR$1,030
Market$1,310
vs market-$280

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

90% standard$927 / 0.71 ratio110% standard$1,133 / 0.86 ratio
0.79
2 BR
2 BR
0.64ratio
FMR$1,150
Market$1,800
vs market-$650

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

90% standard$1,035 / 0.57 ratio110% standard$1,265 / 0.70 ratio
0.64
3 BR
3 BR
0.70ratio
FMR$1,430
Market$2,030
vs market-$600

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

90% standard$1,287 / 0.63 ratio110% standard$1,573 / 0.77 ratio
0.70
4 BR
4 BR
0.79ratio
FMR$1,710
Market$2,160
vs market-$450

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

90% standard$1,539 / 0.71 ratio110% standard$1,881 / 0.87 ratio
0.79
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom 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 40065 (KY) 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.

40065 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 40065 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,150 and the 4 bedroom fair market rent is $1,710.

Use this page for searches like 40065 FMR, 40065 fair market rent, and 40065 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 40065
Bedroom sizeHUD FMR
Studio$960
1 bedroom$1,030
2 bedroom$1,150
3 bedroom$1,430
4 bedroom$1,710