Skip to main content
Loading page
Crittenden County/Sturgis/42459

42459

ZIPSAFMR
Crittenden County, KY
Zillow

ZIP Investment Score

66Below average

095130300
BRFMR
Eff. Rent
0 BR$670$660
1 BR$700$670
2 BR$910$710
3 BR$1,080$740
4 BR$1,240$800
5 BR$1,426Not available
6 BR$1,640Not available
7 BR$1,886Not available
8 BR$2,169Not available

Purchase Price Calculator

Maximum purchase price
$43,589

Cost breakdown

+Likely effective rent$710
HUD FMR$910
Market rentUsed$710
Est. payment standard (90%)$820
-Principal and interest-$220
Loan amount$34,871
Down payment$8,718
Rate6.50%
Term30 years
-Operating costs-$290
Property taxes-$44
Insurance-$175
Utilities$0
HOA$0
Management-$71
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$11,801(135.4% ROI)
Projected value
$46,941
Return breakdown
Property appreciation+$3,352
Loan principal paid down+$1,249
Rental cash flow+$7,200
5-year hold
+$19,956(228.9% ROI)
Projected value
$49,317
Return breakdown
Property appreciation+$5,728
Loan principal paid down+$2,228
Rental cash flow+$12,000
10-year hold
+$41,517(476.2% ROI)
Projected value
$55,798
Return breakdown
Property appreciation+$12,209
Loan principal paid down+$5,309
Rental cash flow+$24,000

Public Housing Authority

Loading Public Housing Authority

Rolodex

Loading Rolodex

Market Alignment

Studio
1.02
1 BR
1.04
2 BR
1.28
3 BR
1.46
4 BR
1.55
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 42459 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 42459 (Sturgis, KY) is $910 a month. That is up 4.6% from $870 in FY 2026. Sturgis is in the Crittenden 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 $909. Among 9 ZIP codes in Crittenden County, 42459 is tied for the 4th-highest two-bedroom rent (county range $910–$1,220). The median county two-bedroom FMR in Kentucky is $925, so ZIP 42459 is 2% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 42459
BedroomsFY 2027Change90–110% range
Studio$670+8.1%$603–$737
1BR$700+6.1%$630–$770
2BR$910+4.6%$819–$1,001
3BR$1,080+3.8%$972–$1,188
4BR$1,240+7.8%$1,116–$1,364

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 42459
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$670$700$910$1,080$1,240
FY 2026$620$660$870$1,040$1,150
FY 2025$620$660$870$1,040$1,150
FY 2024area FMR$616$647$850$1,028$1,156
FY 2023area FMR$538$564$742$939$999

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

Two-bedroom rent in nearby Crittenden County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 42459
42033$9100.0%
42037$9100.0%
42038$1,220+34.1%
42055$9100.0%
42064$1,050+15.4%
42078$1,050+15.4%
42411$9100.0%
42450$9100.0%
42459Current$910—

Questions about ZIP 42459 rents

How much will Section 8 pay for a two-bedroom in ZIP 42459?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $909, which applies unless the housing authority uses Small Area FMRs, that basic range is $818 to $1,000 a month; under the ZIP-level Small Area FMR of $910 it would be $819 to $1,001. 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 42459 in?

ZIP 42459 is in the Crittenden County, KY non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $909.

How much did fair market rent change in ZIP 42459 for FY 2027?

The two-bedroom FMR rose 4.6%, from $870 in FY 2026 to $910 in FY 2027. Since FY 2025 it has risen 4.6%.

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