41091
ZIPSAFMR
Boone County, KY
BRFMR
Eff. Rent
0 BR$1,440$1,580
1 BR$1,580$1,740
2 BR$2,030$2,150
3 BR$2,680$2,320
4 BR$2,960$2,710
5 BR$3,404
6 BR$3,915
7 BR$4,502
8 BR$5,177

Purchase Price Calculator

Maximum purchase price
$257,573

Cost breakdown

+Likely effective rent$2,150
HUD FMR$2,030
Market rent$2,210
Est. payment standard (106%)Used$2,150
Estimated payment standard is $2,150 (106% of FMR).
-Principal and interest-$1,302
Loan amount$206,058
Down payment$51,515
Rate6.50%
Term30 years
-Operating costs-$648
Property taxes-$258
Insurance-$175
Utilities$0
HOA$0
Management-$215
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$34,387(66.8% ROI)
Projected value
$277,378
Current value$257,573
Return breakdown
Property appreciation+$19,805
Loan principal paid down+$7,383
Rental cash flow+$7,200
5-year hold
+$59,012(114.6% ROI)
Projected value
$291,420
Current value$257,573
Return breakdown
Property appreciation+$33,847
Loan principal paid down+$13,165
Rental cash flow+$12,000
10-year hold
+$127,512(247.5% ROI)
Projected value
$329,715
Current value$257,573
Return breakdown
Property appreciation+$72,142
Loan principal paid down+$31,370
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
0.69ratio
FMR$1,440
Market$2,100
vs market-$660

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

90% standard$1,296 / 0.62 ratio110% standard$1,584 / 0.75 ratio
0.69
1 BR
1 BR
0.75ratio
FMR$1,580
Market$2,100
vs market-$520

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

90% standard$1,422 / 0.68 ratio110% standard$1,738 / 0.83 ratio
0.75
2 BR
2 BR
0.92ratio
FMR$2,030
Market$2,210
vs market-$180

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

90% standard$1,827 / 0.83 ratio110% standard$2,233 / 1.01 ratio
0.92
3 BR
3 BR
1.16ratio
FMR$2,680
Market$2,320
vs market+$360

FMR is above market; underwrite to market rent.

90% standard$2,412 / 1.04 ratio110% standard$2,948 / 1.27 ratio
1.16
4 BR
4 BR
1.09ratio
FMR$2,960
Market$2,710
vs market+$250

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

90% standard$2,664 / 0.98 ratio110% standard$3,256 / 1.20 ratio
1.09
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 41091 (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.

41091 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 41091 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,030 and the 4 bedroom fair market rent is $2,960.

Use this page for searches like 41091 FMR, 41091 fair market rent, and 41091 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 41091
Bedroom sizeHUD FMR
Studio$1,440
1 bedroom$1,580
2 bedroom$2,030
3 bedroom$2,680
4 bedroom$2,960