42749
ZIPSAFMR
Hart County, KY
BRFMR
Eff. Rent
0 BR$680$750
1 BR$810$880
2 BR$950$980
3 BR$1,180$1,040
4 BR$1,310$1,110
5 BR$1,506
6 BR$1,732
7 BR$1,992
8 BR$2,291

Purchase Price Calculator

Maximum purchase price
$83,711

Cost breakdown

+Likely effective rent$980
HUD FMR$950
Market rent$990
Est. payment standard (103%)Used$980
Estimated payment standard is $980 (103% of FMR).
-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
Current value$83,711
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
Current value$83,711
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
Current value$83,711
Return breakdown
Property appreciation+$23,446
Loan principal paid down+$10,195
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
0.75ratio
FMR$680
Market$910
vs market-$230

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

90% standard$612 / 0.67 ratio110% standard$748 / 0.82 ratio
0.75
1 BR
1 BR
0.88ratio
FMR$810
Market$920
vs market-$110

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

90% standard$729 / 0.79 ratio110% standard$891 / 0.97 ratio
0.88
2 BR
2 BR
0.96ratio
FMR$950
Market$990
vs market-$40

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

90% standard$855 / 0.86 ratio110% standard$1,045 / 1.06 ratio
0.96
3 BR
3 BR
1.13ratio
FMR$1,180
Market$1,040
vs market+$140

FMR is above market; underwrite to market rent.

90% standard$1,062 / 1.02 ratio110% standard$1,298 / 1.25 ratio
1.13
4 BR
4 BR
1.18ratio
FMR$1,310
Market$1,110
vs market+$200

FMR is above market; underwrite to market rent.

90% standard$1,179 / 1.06 ratio110% standard$1,441 / 1.30 ratio
1.18
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 42749 (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.

42749 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 42749 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $950 and the 4 bedroom fair market rent is $1,310.

Use this page for searches like 42749 FMR, 42749 fair market rent, and 42749 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 42749
Bedroom sizeHUD FMR
Studio$680
1 bedroom$810
2 bedroom$950
3 bedroom$1,180
4 bedroom$1,310