42459
ZIPSAFMR
Crittenden County, KY
BRFMR
Eff. Rent
0 BR$620$650
1 BR$660$670
2 BR$870$710
3 BR$1,040$740
4 BR$1,150$800
5 BR$1,323
6 BR$1,521
7 BR$1,749
8 BR$2,011

Purchase Price Calculator

Maximum purchase price
$43,589

Cost breakdown

+Likely effective rent$710
HUD FMR$870
Market rentUsed$710
Est. payment standard (90%)$780
Market rent is below the inferred standard ($780, 90% of FMR).
-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
Current value$43,589
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
Current value$43,589
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
Current value$43,589
Return breakdown
Property appreciation+$12,209
Loan principal paid down+$5,309
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
0.94ratio
FMR$620
Market$660
vs market-$40

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

90% standard$558 / 0.85 ratio110% standard$682 / 1.03 ratio
0.94
1 BR
1 BR
0.99ratio
FMR$660
Market$670
vs market-$10

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

90% standard$594 / 0.89 ratio110% standard$726 / 1.08 ratio
0.99
2 BR
2 BR
1.23ratio
FMR$870
Market$710
vs market+$160

FMR is above market; underwrite to market rent.

90% standard$783 / 1.10 ratio110% standard$957 / 1.35 ratio
1.23
3 BR
3 BR
1.41ratio
FMR$1,040
Market$740
vs market+$300

FMR is above market; underwrite to market rent.

90% standard$936 / 1.26 ratio110% standard$1,144 / 1.55 ratio
1.41
4 BR
4 BR
1.44ratio
FMR$1,150
Market$800
vs market+$350

FMR is above market; underwrite to market rent.

90% standard$1,035 / 1.29 ratio110% standard$1,265 / 1.58 ratio
1.44
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 42459 (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.

42459 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 42459 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $870 and the 4 bedroom fair market rent is $1,150.

Use this page for searches like 42459 FMR, 42459 fair market rent, and 42459 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 42459
Bedroom sizeHUD FMR
Studio$620
1 bedroom$660
2 bedroom$870
3 bedroom$1,040
4 bedroom$1,150