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Keokuk County/Sigourney/52591

52591

ZIPSAFMR
Keokuk County, IA
Zillow

ZIP Investment Score

83Below average

095130300
BRFMR
Eff. Rent
0 BR$730$730
1 BR$810$810
2 BR$980$980
3 BR$1,230$1,230
4 BR$1,320$1,320
5 BR$1,518Not available
6 BR$1,746Not available
7 BR$2,008Not available
8 BR$2,309Not 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 52591 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 52591 (Sigourney, IA) is $980 a month. That is up 1.0% from $970 in FY 2026. Sigourney is in the Keokuk 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 $927. Among 21 ZIP codes in Keokuk County, 52591 is tied for the 8th-highest two-bedroom rent (county range $930–$1,120). The median county two-bedroom FMR in Iowa is $927, so ZIP 52591 is 6% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 52591
BedroomsFY 2027Change90–110% range
Studio$730+1.4%$657–$803
1BR$8100.0%$729–$891
2BR$980+1.0%$882–$1,078
3BR$1,230−0.8%$1,107–$1,353
4BR$1,320+2.3%$1,188–$1,452

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 52591
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$730$810$980$1,230$1,320
FY 2026$720$810$970$1,240$1,290
FY 2025$690$790$930$1,180$1,230
FY 2024area FMR$641$708$877$1,101$1,168
FY 2023area FMR$582$631$796$992$1,069

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

Two-bedroom rent in nearby Keokuk County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 52591
52356$1,030+5.1%
52501$1,080+10.2%
52550$1,080+10.2%
52561$970−1.0%
52562$9800.0%
52563$1,050+7.1%
52568$930−5.1%
52576$9800.0%
52580$9800.0%
52585$9800.0%
52586$9800.0%
52591Current$980—

Questions about ZIP 52591 rents

How much will Section 8 pay for a two-bedroom in ZIP 52591?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $927, which applies unless the housing authority uses Small Area FMRs, that basic range is $834 to $1,020 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 52591 in?

ZIP 52591 is in the Keokuk County, IA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $927.

How much did fair market rent change in ZIP 52591 for FY 2027?

The two-bedroom FMR rose 1.0%, from $970 in FY 2026 to $980 in FY 2027. Since FY 2025 it has risen 5.4%.

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