40160
ZIPSAFMR
Hardin County, KY
BRFMR
Eff. Rent
0 BR$780$860
1 BR$790$870
2 BR$980$1,030
3 BR$1,360$1,500
4 BR$1,640$1,800
5 BR$1,886
6 BR$2,169
7 BR$2,494
8 BR$2,868

Purchase Price Calculator

Maximum purchase price
$91,141

Cost breakdown

+Likely effective rent$1,030
HUD FMR$980
Market rent$1,060
Est. payment standard (105%)Used$1,030
Estimated payment standard is $1,030 (105% of FMR).
-Principal and interest-$461
Loan amount$72,913
Down payment$18,228
Rate6.50%
Term30 years
-Operating costs-$369
Property taxes-$91
Insurance-$175
Utilities$0
HOA$0
Management-$103
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,820(92.3% ROI)
Projected value
$98,149
Current value$91,141
Return breakdown
Property appreciation+$7,008
Loan principal paid down+$2,612
Rental cash flow+$7,200
5-year hold
+$28,635(157.1% ROI)
Projected value
$103,118
Current value$91,141
Return breakdown
Property appreciation+$11,977
Loan principal paid down+$4,658
Rental cash flow+$12,000
10-year hold
+$60,627(332.6% ROI)
Projected value
$116,668
Current value$91,141
Return breakdown
Property appreciation+$25,527
Loan principal paid down+$11,100
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
0.85ratio
FMR$780
Market$920
vs market-$140

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

90% standard$702 / 0.76 ratio110% standard$858 / 0.93 ratio
0.85
1 BR
1 BR
0.87ratio
FMR$790
Market$910
vs market-$120

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

90% standard$711 / 0.78 ratio110% standard$869 / 0.95 ratio
0.87
2 BR
2 BR
0.92ratio
FMR$980
Market$1,060
vs market-$80

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

90% standard$882 / 0.83 ratio110% standard$1,078 / 1.02 ratio
0.92
3 BR
3 BR
0.84ratio
FMR$1,360
Market$1,620
vs market-$260

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

90% standard$1,224 / 0.76 ratio110% standard$1,496 / 0.92 ratio
0.84
4 BR
4 BR
0.84ratio
FMR$1,640
Market$1,960
vs market-$320

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

90% standard$1,476 / 0.75 ratio110% standard$1,804 / 0.92 ratio
0.84
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 40160 (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.

40160 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 40160 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $980 and the 4 bedroom fair market rent is $1,640.

Use this page for searches like 40160 FMR, 40160 fair market rent, and 40160 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 40160
Bedroom sizeHUD FMR
Studio$780
1 bedroom$790
2 bedroom$980
3 bedroom$1,360
4 bedroom$1,640