42103
ZIPSAFMR
Warren County, KY
BRFMR
Eff. Rent
0 BR$990$1,000
1 BR$1,090$920
2 BR$1,280$1,340
3 BR$1,540$1,690
4 BR$2,010$2,210
5 BR$2,312
6 BR$2,658
7 BR$3,057
8 BR$3,516

Purchase Price Calculator

Maximum purchase price
$137,207

Cost breakdown

+Likely effective rent$1,340
HUD FMR$1,280
Market rent$1,370
Est. payment standard (105%)Used$1,340
Estimated payment standard is $1,340 (105% of FMR).
-Principal and interest-$694
Loan amount$109,766
Down payment$27,441
Rate6.50%
Term30 years
-Operating costs-$446
Property taxes-$137
Insurance-$175
Utilities$0
HOA$0
Management-$134
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,683(79.0% ROI)
Projected value
$147,757
Current value$137,207
Return breakdown
Property appreciation+$10,550
Loan principal paid down+$3,933
Rental cash flow+$7,200
5-year hold
+$37,043(135.0% ROI)
Projected value
$155,237
Current value$137,207
Return breakdown
Property appreciation+$18,030
Loan principal paid down+$7,013
Rental cash flow+$12,000
10-year hold
+$79,140(288.4% ROI)
Projected value
$175,637
Current value$137,207
Return breakdown
Property appreciation+$38,430
Loan principal paid down+$16,711
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.99ratio
FMR$990
Market$1,000
vs market-$10

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

90% standard$891 / 0.89 ratio110% standard$1,089 / 1.09 ratio
0.99
1 BR
1 BR
1.18ratio
FMR$1,090
Market$920
vs market+$170

FMR is above market; underwrite to market rent.

90% standard$981 / 1.07 ratio110% standard$1,199 / 1.30 ratio
1.18
2 BR
2 BR
0.93ratio
FMR$1,280
Market$1,370
vs market-$90

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

90% standard$1,152 / 0.84 ratio110% standard$1,408 / 1.03 ratio
0.93
3 BR
3 BR
0.86ratio
FMR$1,540
Market$1,790
vs market-$250

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

90% standard$1,386 / 0.77 ratio110% standard$1,694 / 0.95 ratio
0.86
4 BR
4 BR
0.83ratio
FMR$2,010
Market$2,430
vs market-$420

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

90% standard$1,809 / 0.74 ratio110% standard$2,211 / 0.91 ratio
0.83
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 42103 (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.

42103 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 42103 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,280 and the 4 bedroom fair market rent is $2,010.

Use this page for searches like 42103 FMR, 42103 fair market rent, and 42103 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 42103
Bedroom sizeHUD FMR
Studio$990
1 bedroom$1,090
2 bedroom$1,280
3 bedroom$1,540
4 bedroom$2,010