49544
ZIPSAFMR
Ottawa County, MI
BRFMR
Eff. Rent
0 BR$1,170$1,240
1 BR$1,210$1,280
2 BR$1,450$1,550
3 BR$1,870$1,930
4 BR$2,070$2,170
5 BR$2,381
6 BR$2,738
7 BR$3,148
8 BR$3,620

Purchase Price Calculator

Maximum purchase price
$168,413

Cost breakdown

+Likely effective rent$1,550
HUD FMR$1,450
Market rent$1,600
Est. payment standard (107%)Used$1,550
Estimated payment standard is $1,550 (107% of FMR).
-Principal and interest-$852
Loan amount$134,730
Down payment$33,683
Rate6.50%
Term30 years
-Operating costs-$498
Property taxes-$168
Insurance-$175
Utilities$0
HOA$0
Management-$155
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,976(74.2% ROI)
Projected value
$181,362
Current value$168,413
Return breakdown
Property appreciation+$12,949
Loan principal paid down+$4,827
Rental cash flow+$7,200
5-year hold
+$42,739(126.9% ROI)
Projected value
$190,544
Current value$168,413
Return breakdown
Property appreciation+$22,131
Loan principal paid down+$8,608
Rental cash flow+$12,000
10-year hold
+$91,681(272.2% ROI)
Projected value
$215,583
Current value$168,413
Return breakdown
Property appreciation+$47,170
Loan principal paid down+$20,511
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
0.91ratio
FMR$1,170
Market$1,280
vs market-$110

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

90% standard$1,053 / 0.82 ratio110% standard$1,287 / 1.01 ratio
0.91
1 BR
1 BR
0.92ratio
FMR$1,210
Market$1,310
vs market-$100

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

90% standard$1,089 / 0.83 ratio110% standard$1,331 / 1.02 ratio
0.92
2 BR
2 BR
0.91ratio
FMR$1,450
Market$1,600
vs market-$150

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

90% standard$1,305 / 0.82 ratio110% standard$1,595 / 1.00 ratio
0.91
3 BR
3 BR
0.95ratio
FMR$1,870
Market$1,970
vs market-$100

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

90% standard$1,683 / 0.85 ratio110% standard$2,057 / 1.04 ratio
0.95
4 BR
4 BR
0.93ratio
FMR$2,070
Market$2,230
vs market-$160

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

90% standard$1,863 / 0.84 ratio110% standard$2,277 / 1.02 ratio
0.93
0.700.800.901.001.101.201.30aligned range

Voucher rents are well-aligned with market rents across all bedroom 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 49544 (MI) 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.

49544 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 49544 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,450 and the 4 bedroom fair market rent is $2,070.

Use this page for searches like 49544 FMR, 49544 fair market rent, and 49544 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 49544
Bedroom sizeHUD FMR
Studio$1,170
1 bedroom$1,210
2 bedroom$1,450
3 bedroom$1,870
4 bedroom$2,070