41099
ZIPSAFMR
Campbell County, KY
BRFMR
Eff. Rent
0 BR$940$1,030
1 BR$1,030$1,130
2 BR$1,330$1,400
3 BR$1,750$1,820
4 BR$1,940$2,080
5 BR$2,231
6 BR$2,566
7 BR$2,950
8 BR$3,393

Purchase Price Calculator

Maximum purchase price
$146,123

Cost breakdown

+Likely effective rent$1,400
HUD FMR$1,330
Market rent$1,430
Est. payment standard (105%)Used$1,400
Estimated payment standard is $1,400 (105% of FMR).
-Principal and interest-$739
Loan amount$116,898
Down payment$29,225
Rate6.50%
Term30 years
-Operating costs-$461
Property taxes-$146
Insurance-$175
Utilities$0
HOA$0
Management-$140
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,624(77.4% ROI)
Projected value
$157,358
Current value$146,123
Return breakdown
Property appreciation+$11,235
Loan principal paid down+$4,188
Rental cash flow+$7,200
5-year hold
+$38,670(132.3% ROI)
Projected value
$165,325
Current value$146,123
Return breakdown
Property appreciation+$19,202
Loan principal paid down+$7,469
Rental cash flow+$12,000
10-year hold
+$82,723(283.1% ROI)
Projected value
$187,050
Current value$146,123
Return breakdown
Property appreciation+$40,927
Loan principal paid down+$17,796
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
0.79ratio
FMR$940
Market$1,190
vs market-$250

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

90% standard$846 / 0.71 ratio110% standard$1,034 / 0.87 ratio
0.79
1 BR
1 BR
0.74ratio
FMR$1,030
Market$1,400
vs market-$370

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

90% standard$927 / 0.66 ratio110% standard$1,133 / 0.81 ratio
0.74
2 BR
2 BR
0.93ratio
FMR$1,330
Market$1,430
vs market-$100

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

90% standard$1,197 / 0.84 ratio110% standard$1,463 / 1.02 ratio
0.93
3 BR
3 BR
0.95ratio
FMR$1,750
Market$1,850
vs market-$100

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

90% standard$1,575 / 0.85 ratio110% standard$1,925 / 1.04 ratio
0.95
4 BR
4 BR
0.90ratio
FMR$1,940
Market$2,150
vs market-$210

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

90% standard$1,746 / 0.81 ratio110% standard$2,134 / 0.99 ratio
0.90
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 41099 (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.

41099 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 41099 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,330 and the 4 bedroom fair market rent is $1,940.

Use this page for searches like 41099 FMR, 41099 fair market rent, and 41099 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 41099
Bedroom sizeHUD FMR
Studio$940
1 bedroom$1,030
2 bedroom$1,330
3 bedroom$1,750
4 bedroom$1,940