53097
ZIPSAFMR
Ozaukee County, WI
BRFMR
Eff. Rent
0 BR$1,230$1,110
1 BR$1,340$1,470
2 BR$1,610$1,770
3 BR$1,980$2,180
4 BR$2,140$2,350
5 BR$2,461
6 BR$2,830
7 BR$3,255
8 BR$3,743

Purchase Price Calculator

Maximum purchase price
$201,105

Cost breakdown

+Likely effective rent$1,770
HUD FMR$1,610
Market rent$2,120
Est. payment standard (110%)Used$1,770
Estimated payment standard is $1,770 (110% of FMR).
-Principal and interest-$1,017
Loan amount$160,884
Down payment$40,221
Rate6.50%
Term30 years
-Operating costs-$553
Property taxes-$201
Insurance-$175
Utilities$0
HOA$0
Management-$177
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,427(70.7% ROI)
Projected value
$216,568
Current value$201,105
Return breakdown
Property appreciation+$15,463
Loan principal paid down+$5,764
Rental cash flow+$7,200
5-year hold
+$48,706(121.1% ROI)
Projected value
$227,532
Current value$201,105
Return breakdown
Property appreciation+$26,427
Loan principal paid down+$10,279
Rental cash flow+$12,000
10-year hold
+$104,819(260.6% ROI)
Projected value
$257,431
Current value$201,105
Return breakdown
Property appreciation+$56,326
Loan principal paid down+$24,493
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
1.11ratio
FMR$1,230
Market$1,110
vs market+$120

FMR is above market; underwrite to market rent.

90% standard$1,107 / 1.00 ratio110% standard$1,353 / 1.22 ratio
1.11
1 BR
1 BR
0.71ratio
FMR$1,340
Market$1,880
vs market-$540

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

90% standard$1,206 / 0.64 ratio110% standard$1,474 / 0.78 ratio
0.71
2 BR
2 BR
0.76ratio
FMR$1,610
Market$2,120
vs market-$510

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

90% standard$1,449 / 0.68 ratio110% standard$1,771 / 0.84 ratio
0.76
3 BR
3 BR
0.76ratio
FMR$1,980
Market$2,620
vs market-$640

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

90% standard$1,782 / 0.68 ratio110% standard$2,178 / 0.83 ratio
0.76
4 BR
4 BR
0.60ratio
FMR$2,140
Market$3,570
vs market-$1,430

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

90% standard$1,926 / 0.54 ratio110% standard$2,354 / 0.66 ratio
0.60
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 53097 (WI) 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.

53097 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 53097 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,610 and the 4 bedroom fair market rent is $2,140.

Use this page for searches like 53097 FMR, 53097 fair market rent, and 53097 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 53097
Bedroom sizeHUD FMR
Studio$1,230
1 bedroom$1,340
2 bedroom$1,610
3 bedroom$1,980
4 bedroom$2,140