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Hardin County/Eastview/42732

42732

ZIPSAFMR
Hardin County, KY
Zillow

ZIP Investment Score

74Below average

095130300
BRFMR
Eff. Rent
0 BR$760$760
1 BR$790$790
2 BR$980$980
3 BR$1,360$1,360
4 BR$1,600$1,600
5 BR$1,840Not available
6 BR$2,116Not available
7 BR$2,433Not available
8 BR$2,798Not 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
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Tax rate
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Mortgage rate
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ZIP 42732 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 42732 (Eastview, KY) is $980 a month. That is up 1.0% from $970 in FY 2026. Eastview is in the Elizabethtown, KY HUD Metro 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 metro-wide two-bedroom FMR of $1,087. Among 21 ZIP codes in Hardin County, 42732 has the 14th-highest two-bedroom rent (county range $960–$1,360). The median county two-bedroom FMR in Kentucky is $925, so ZIP 42732 is 6% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 42732
BedroomsFY 2027Change90–110% range
Studio$760−2.6%$684–$836
1BR$790+1.3%$711–$869
2BR$980+1.0%$882–$1,078
3BR$1,3600.0%$1,224–$1,496
4BR$1,600−1.8%$1,440–$1,760

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 42732
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$760$790$980$1,360$1,600
FY 2026$780$780$970$1,360$1,630
FY 2025$720$730$910$1,260$1,540
FY 2024$670$670$850$1,170$1,440
FY 2023$570$580$760$1,050$1,280

Two-bedroom rent in nearby Hardin County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 42732
40175$1,360+38.8%
40177$1,010+3.1%
42701$1,170+19.4%
42702$1,100+12.2%
42712$960−2.0%
42724$1,060+8.2%
42732Current$980—
42740$960−2.0%
42748$990+1.0%
42776$960−2.0%
42784$970−1.0%
42788$960−2.0%

Questions about ZIP 42732 rents

How much will Section 8 pay for a two-bedroom in ZIP 42732?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,087, which applies unless the housing authority uses Small Area FMRs, that basic range is $978 to $1,196 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 42732 in?

ZIP 42732 is in the Elizabethtown, KY HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,087.

How much did fair market rent change in ZIP 42732 for FY 2027?

The two-bedroom FMR rose 1.0%, from $970 in FY 2026 to $980 in FY 2027. Since FY 2023 it has risen 28.9%.

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