40737
ZIPSAFMR
Laurel County, KY
BRFMR
Eff. Rent
0 BR$600$660
1 BR$660$730
2 BR$870$960
3 BR$1,050$1,150
4 BR$1,190$1,250
5 BR$1,369
6 BR$1,574
7 BR$1,810
8 BR$2,081

Purchase Price Calculator

Maximum purchase price
$80,739

Cost breakdown

+Likely effective rent$960
HUD FMR$870
Market rent$1,100
Est. payment standard (110%)Used$960
Estimated payment standard is $960 (110% of FMR).
-Principal and interest-$408
Loan amount$64,591
Down payment$16,148
Rate6.50%
Term30 years
-Operating costs-$352
Property taxes-$81
Insurance-$175
Utilities$0
HOA$0
Management-$96
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$15,722(97.4% ROI)
Projected value
$86,947
Current value$80,739
Return breakdown
Property appreciation+$6,208
Loan principal paid down+$2,314
Rental cash flow+$7,200
5-year hold
+$26,737(165.6% ROI)
Projected value
$91,349
Current value$80,739
Return breakdown
Property appreciation+$10,610
Loan principal paid down+$4,127
Rental cash flow+$12,000
10-year hold
+$56,447(349.6% ROI)
Projected value
$103,353
Current value$80,739
Return breakdown
Property appreciation+$22,614
Loan principal paid down+$9,833
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
0.68ratio
FMR$600
Market$880
vs market-$280

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

90% standard$540 / 0.61 ratio110% standard$660 / 0.75 ratio
0.68
1 BR
1 BR
0.74ratio
FMR$660
Market$890
vs market-$230

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

90% standard$594 / 0.67 ratio110% standard$726 / 0.82 ratio
0.74
2 BR
2 BR
0.79ratio
FMR$870
Market$1,100
vs market-$230

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

90% standard$783 / 0.71 ratio110% standard$957 / 0.87 ratio
0.79
3 BR
3 BR
0.88ratio
FMR$1,050
Market$1,200
vs market-$150

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

90% standard$945 / 0.79 ratio110% standard$1,155 / 0.96 ratio
0.88
4 BR
4 BR
0.93ratio
FMR$1,190
Market$1,280
vs market-$90

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

90% standard$1,071 / 0.84 ratio110% standard$1,309 / 1.02 ratio
0.93
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 40737 (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.

40737 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 40737 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $870 and the 4 bedroom fair market rent is $1,190.

Use this page for searches like 40737 FMR, 40737 fair market rent, and 40737 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 40737
Bedroom sizeHUD FMR
Studio$600
1 bedroom$660
2 bedroom$870
3 bedroom$1,050
4 bedroom$1,190