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Tama County/Clutier/52217

52217

ZIPSAFMR
Tama County, IA
Zillow

ZIP Investment Score

96Above average

095130300
BRFMR
Eff. Rent
0 BR$720$720
1 BR$750$750
2 BR$980$980
3 BR$1,240$1,240
4 BR$1,360$1,360
5 BR$1,564Not available
6 BR$1,799Not available
7 BR$2,068Not available
8 BR$2,379Not 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
--
Tax rate
--
Mortgage rate
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ZIP 52217 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 52217 (Clutier, IA) is $980 a month. That is down 5.8% from $1,040 in FY 2026. Clutier is in the Tama County, IA 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 $945. Among 20 ZIP codes in Tama County, 52217 has the 7th-highest two-bedroom rent (county range $930–$1,190). The median county two-bedroom FMR in Iowa is $927, so ZIP 52217 is 6% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 52217
BedroomsFY 2027Change90–110% range
Studio$720−6.5%$648–$792
1BR$750−5.1%$675–$825
2BR$980−5.8%$882–$1,078
3BR$1,240−4.6%$1,116–$1,364
4BR$1,360−7.5%$1,224–$1,496

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 52217
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$720$750$980$1,240$1,360
FY 2026$770$790$1,040$1,300$1,470
FY 2025$750$780$1,020$1,230$1,490
FY 2024area FMR$655$683$897$1,085$1,368
FY 2023area FMR$552$628$826$1,005$1,295

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

Two-bedroom rent in nearby Tama County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 52217
50651$1,020+4.1%
50652$940−4.1%
50669$950−3.1%
50675$990+1.0%
52208$970−1.0%
52215$970−1.0%
52217Current$980—
52224$930−5.1%
52225$1,070+9.2%
52339$930−5.1%
52342$1,010+3.1%
52348$950−3.1%

Questions about ZIP 52217 rents

How much will Section 8 pay for a two-bedroom in ZIP 52217?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $945, which applies unless the housing authority uses Small Area FMRs, that basic range is $851 to $1,040 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 52217 in?

ZIP 52217 is in the Tama County, IA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $945.

How much did fair market rent change in ZIP 52217 for FY 2027?

The two-bedroom FMR fell 5.8%, from $1,040 in FY 2026 to $980 in FY 2027. Since FY 2025 it has fallen 3.9%.

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 rentClutier, IA fair market rentIA statewide rentsWhat is SAFMR?Data sources