40741
ZIPSAFMR
Laurel County, KY
BRFMR
Eff. Rent
0 BR$670$740
1 BR$690$760
2 BR$900$990
3 BR$1,100$1,180
4 BR$1,310$1,290
5 BR$1,506
6 BR$1,732
7 BR$1,992
8 BR$2,291

Purchase Price Calculator

Maximum purchase price
$85,197

Cost breakdown

+Likely effective rent$990
HUD FMR$900
Market rent$1,140
Est. payment standard (110%)Used$990
Estimated payment standard is $990 (110% of FMR).
-Principal and interest-$431
Loan amount$68,158
Down payment$17,039
Rate6.50%
Term30 years
-Operating costs-$359
Property taxes-$85
Insurance-$175
Utilities$0
HOA$0
Management-$99
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,193(95.0% ROI)
Projected value
$91,748
Current value$85,197
Return breakdown
Property appreciation+$6,551
Loan principal paid down+$2,442
Rental cash flow+$7,200
5-year hold
+$27,550(161.7% ROI)
Projected value
$96,393
Current value$85,197
Return breakdown
Property appreciation+$11,196
Loan principal paid down+$4,355
Rental cash flow+$12,000
10-year hold
+$58,239(341.8% ROI)
Projected value
$109,059
Current value$85,197
Return breakdown
Property appreciation+$23,862
Loan principal paid down+$10,376
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$670
Market$990
vs market-$320

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

90% standard$603 / 0.61 ratio110% standard$737 / 0.74 ratio
0.68
1 BR
1 BR
0.66ratio
FMR$690
Market$1,050
vs market-$360

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

90% standard$621 / 0.59 ratio110% standard$759 / 0.72 ratio
0.66
2 BR
2 BR
0.79ratio
FMR$900
Market$1,140
vs market-$240

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

90% standard$810 / 0.71 ratio110% standard$990 / 0.87 ratio
0.79
3 BR
3 BR
0.89ratio
FMR$1,100
Market$1,230
vs market-$130

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

90% standard$990 / 0.80 ratio110% standard$1,210 / 0.98 ratio
0.89
4 BR
4 BR
1.02ratio
FMR$1,310
Market$1,290
vs market+$20

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

90% standard$1,179 / 0.91 ratio110% standard$1,441 / 1.12 ratio
1.02
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 40741 (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.

40741 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 40741 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $900 and the 4 bedroom fair market rent is $1,310.

Use this page for searches like 40741 FMR, 40741 fair market rent, and 40741 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 40741
Bedroom sizeHUD FMR
Studio$670
1 bedroom$690
2 bedroom$900
3 bedroom$1,100
4 bedroom$1,310