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Campbell County/Newport/41076

41076

ZIPSAFMR
Campbell County, KY
Zillow

ZIP Investment Score

114Above average

095130300
BRFMR
Eff. Rent
0 BR$1,090$1,150
1 BR$1,170$1,280
2 BR$1,500$1,460
3 BR$1,970$1,980
4 BR$2,230$2,280
5 BR$2,565Not available
6 BR$2,949Not available
7 BR$3,392Not available
8 BR$3,900Not available

Purchase Price Calculator

Maximum purchase price
$155,039

Cost breakdown

+Likely effective rent$1,460
HUD FMR$1,500
Market rentUsed$1,460
Est. payment standard (98%)$1,470
-Principal and interest-$784
Loan amount$124,031
Down payment$31,008
Rate6.50%
Term30 years
-Operating costs-$476
Property taxes-$155
Insurance-$175
Utilities$0
HOA$0
Management-$146
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,565(76.0% ROI)
Projected value
$166,960
Return breakdown
Property appreciation+$11,921
Loan principal paid down+$4,444
Rental cash flow+$7,200
5-year hold
+$40,298(130.0% ROI)
Projected value
$175,412
Return breakdown
Property appreciation+$20,373
Loan principal paid down+$7,924
Rental cash flow+$12,000
10-year hold
+$86,306(278.3% ROI)
Projected value
$198,463
Return breakdown
Property appreciation+$43,424
Loan principal paid down+$18,882
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.92
1 BR
0.87
2 BR
1.03
3 BR
0.99
4 BR
0.97
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 41076 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 41076 (Newport, KY) is $1,500 a month. That is up 7.1% from $1,400 in FY 2026. Newport is in the Cincinnati, OH-KY-IN HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 12 ZIP codes in Campbell County, 41076 has the 3rd-highest two-bedroom rent (county range $1,010–$1,600). The median county two-bedroom FMR in Kentucky is $925, so ZIP 41076 is 62% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 41076
BedroomsFY 2027Change90–110% range
Studio$1,090+10.1%$981–$1,199
1BR$1,170+7.3%$1,053–$1,287
2BR$1,500+7.1%$1,350–$1,650
3BR$1,970+6.5%$1,773–$2,167
4BR$2,230+9.3%$2,007–$2,453

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 41076
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,090$1,170$1,500$1,970$2,230
FY 2026$990$1,090$1,400$1,850$2,040
FY 2025$910$1,030$1,330$1,760$1,950
FY 2024$850$970$1,260$1,670$1,860
FY 2023$800$910$1,190$1,590$1,790

Two-bedroom rent in nearby Campbell County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 41076
41001$1,490−0.7%
41006$1,040−30.7%
41007$1,300−13.3%
41059$1,010−32.7%
41071$1,600+6.7%
41072$1,440−4.0%
41073$1,540+2.7%
41074$1,430−4.7%
41075$1,450−3.3%
41076Current$1,500—
41085$1,010−32.7%
41099$1,440−4.0%

Questions about ZIP 41076 rents

How much will Section 8 pay for a two-bedroom in ZIP 41076?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,500, that basic range is $1,350 to $1,650 a month. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 41076 in?

ZIP 41076 is in the Cincinnati, OH-KY-IN HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 41076 for FY 2027?

The two-bedroom FMR rose 7.1%, from $1,400 in FY 2026 to $1,500 in FY 2027. Since FY 2023 it has risen 26.1%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentNewport, KY fair market rentKY statewide rentsWhat is SAFMR?Data sources