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Knott County/Garner/41817

41817

ZIPSAFMR
Knott County, KY
Zillow

ZIP Investment Score

121Above average

095130300
BRFMR
Eff. Rent
0 BR$700$700
1 BR$780$780
2 BR$980$980
3 BR$1,170$1,170
4 BR$1,370$1,370
5 BR$1,575Not available
6 BR$1,812Not available
7 BR$2,084Not available
8 BR$2,396Not available

Purchase Price Calculator

Maximum purchase price
$83,711

Cost breakdown

+Likely effective rent$980
HUD FMRUsed$980
Market rentN/A
Est. payment standardN/A
-Principal and interest-$423
Loan amount$66,969
Down payment$16,742
Rate6.50%
Term30 years
-Operating costs-$357
Property taxes-$84
Insurance-$175
Utilities$0
HOA$0
Management-$98
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,036(95.8% ROI)
Projected value
$90,148
Return breakdown
Property appreciation+$6,437
Loan principal paid down+$2,399
Rental cash flow+$7,200
5-year hold
+$27,279(162.9% ROI)
Projected value
$94,711
Return breakdown
Property appreciation+$11,000
Loan principal paid down+$4,279
Rental cash flow+$12,000
10-year hold
+$57,641(344.3% ROI)
Projected value
$107,157
Return breakdown
Property appreciation+$23,446
Loan principal paid down+$10,195
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
--
Tax rate
--
Mortgage rate
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ZIP 41817 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 41817 (Garner, KY) is $980 a month. That is up 8.9% from $900 in FY 2026. Garner is in the Knott County, KY non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $983. Among 25 ZIP codes in Knott County, 41817 is tied for the 4th-highest two-bedroom rent (county range $910–$1,100). The median county two-bedroom FMR in Kentucky is $925, so ZIP 41817 is 6% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 41817
BedroomsFY 2027Change90–110% range
Studio$700+9.4%$630–$770
1BR$780+9.9%$702–$858
2BR$980+8.9%$882–$1,078
3BR$1,170+8.3%$1,053–$1,287
4BR$1,370+8.7%$1,233–$1,507

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 41817
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$700$780$980$1,170$1,370
FY 2026$640$710$900$1,080$1,260
FY 2025$700$710$910$1,090$1,210
FY 2024area FMR$659$663$850$1,105$1,174
FY 2023area FMR$643$657$742$1,017$1,071

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Knott County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 41817
41804$910−7.1%
41817Current$980—
41822$9800.0%
41828$9800.0%
41831$9800.0%
41834$9800.0%
41836$1,010+3.1%
41839$1,100+12.2%
41843$9800.0%
41844$9800.0%
41847$9800.0%
41859$9800.0%

Questions about ZIP 41817 rents

How much will Section 8 pay for a two-bedroom in ZIP 41817?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $983, which applies unless the housing authority uses Small Area FMRs, that basic range is $885 to $1,081 a month; under the ZIP-level Small Area FMR of $980 it would be $882 to $1,078. 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 41817 in?

ZIP 41817 is in the Knott County, KY non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $983.

How much did fair market rent change in ZIP 41817 for FY 2027?

The two-bedroom FMR rose 8.9%, from $900 in FY 2026 to $980 in FY 2027. Since FY 2025 it has risen 7.7%.

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