40299
ZIPSAFMR
Jefferson County, KY
BRFMR
Eff. Rent
0 BR$1,120$1,190
1 BR$1,210$1,230
2 BR$1,470$1,590
3 BR$1,880$1,940
4 BR$2,180$2,400
5 BR$2,507
6 BR$2,883
7 BR$3,316
8 BR$3,813

Purchase Price Calculator

Maximum purchase price
$174,357

Cost breakdown

+Likely effective rent$1,590
HUD FMR$1,470
Market rent$1,660
Est. payment standard (108%)Used$1,590
Estimated payment standard is $1,590 (108% of FMR).
-Principal and interest-$882
Loan amount$139,485
Down payment$34,871
Rate6.50%
Term30 years
-Operating costs-$508
Property taxes-$174
Insurance-$175
Utilities$0
HOA$0
Management-$159
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,604(73.4% ROI)
Projected value
$187,763
Current value$174,357
Return breakdown
Property appreciation+$13,406
Loan principal paid down+$4,997
Rental cash flow+$7,200
5-year hold
+$43,824(125.7% ROI)
Projected value
$197,269
Current value$174,357
Return breakdown
Property appreciation+$22,912
Loan principal paid down+$8,912
Rental cash flow+$12,000
10-year hold
+$94,070(269.8% ROI)
Projected value
$223,192
Current value$174,357
Return breakdown
Property appreciation+$48,835
Loan principal paid down+$21,235
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
0.91ratio
FMR$1,120
Market$1,230
vs market-$110

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

90% standard$1,008 / 0.82 ratio110% standard$1,232 / 1.00 ratio
0.91
1 BR
1 BR
0.98ratio
FMR$1,210
Market$1,240
vs market-$30

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

90% standard$1,089 / 0.88 ratio110% standard$1,331 / 1.07 ratio
0.98
2 BR
2 BR
0.89ratio
FMR$1,470
Market$1,660
vs market-$190

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

90% standard$1,323 / 0.80 ratio110% standard$1,617 / 0.97 ratio
0.89
3 BR
3 BR
0.95ratio
FMR$1,880
Market$1,970
vs market-$90

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

90% standard$1,692 / 0.86 ratio110% standard$2,068 / 1.05 ratio
0.95
4 BR
4 BR
0.82ratio
FMR$2,180
Market$2,660
vs market-$480

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

90% standard$1,962 / 0.74 ratio110% standard$2,398 / 0.90 ratio
0.82
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 40299 (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.

40299 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 40299 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,470 and the 4 bedroom fair market rent is $2,180.

Use this page for searches like 40299 FMR, 40299 fair market rent, and 40299 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 40299
Bedroom sizeHUD FMR
Studio$1,120
1 bedroom$1,210
2 bedroom$1,470
3 bedroom$1,880
4 bedroom$2,180