53512

ZIPSAFMR

Rock County, WI

ZIP Investment Score

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$980	$1,000	7.0%
1 BR	$1,000	$1,080	6.0%
2 BR	$1,280	$1,410	4.9%
3 BR	$1,620	$1,640	3.3%
4 BR	$1,680	$1,730	2.9%
5 BR	$1,932	Not available	2.9%
6 BR	$2,222	Not available	2.9%
7 BR	$2,555	Not available	2.9%
8 BR	$2,938	Not available	2.9%

Purchase Price Calculator

Maximum purchase price

$147,609

Cost breakdown

+Likely effective rent$1,410

HUD FMR$1,280

Market rent$1,490

Est. payment standard (110%)Used$1,410

-Principal and interest-$746

Loan amount$118,087

Down payment$29,522

Rate6.50%

Term30 years

-Operating costs-$464

Property taxes-$148

Insurance-$175

Utilities$0

HOA$0

Management-$141

=Target cash flow+$200

Calculation mode

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

Hold period projections

Annual appreciation rate

3-year hold

+$22,781(77.2% ROI)

Projected value

$158,959

Return breakdown

Property appreciation+$11,350

Loan principal paid down+$4,231

Rental cash flow+$7,200

5-year hold

+$38,942(131.9% ROI)

Projected value

$167,006

Return breakdown

Property appreciation+$19,397

Loan principal paid down+$7,545

Rental cash flow+$12,000

10-year hold

+$83,320(282.2% ROI)

Projected value

$188,952

Return breakdown

Property appreciation+$41,343

Loan principal paid down+$17,977

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

0.97ratio

FMR$980

Market$1,010

vs market-$30

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

0.97

1 BR

0.88ratio

FMR$1,000

Market$1,130

vs market-$130

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

0.88

2 BR

0.86ratio

FMR$1,280

Market$1,490

vs market-$210

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

0.86

3 BR

0.98ratio

FMR$1,620

Market$1,650

vs market-$30

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

0.98

4 BR

0.95ratio

FMR$1,680

Market$1,760

vs market-$80

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

0.95

0.700.800.901.001.101.201.30aligned range

Historical

FY 2023-2027

FMR: FY2027
Market rent: last ~365 days
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 53512 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 53512 (Beloit, WI) is $1,280 a month. That is up 2.4% from $1,250 in FY 2026. Beloit is in the Janesville-Beloit, WI MSA. 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 metro-wide two-bedroom FMR of $1,280. Among 22 ZIP codes in Rock County, 53512 is tied for the 9th-highest two-bedroom rent (county range $1,130–$1,690). The median county two-bedroom FMR in Wisconsin is $1,041, so ZIP 53512 is 23% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 53512
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$900	$980	+8.9%	$882–$1,078
1BR	$960	$1,000	+4.2%	$900–$1,100
2BR	$1,250	$1,280	+2.4%	$1,152–$1,408
3BR	$1,600	$1,620	+1.3%	$1,458–$1,782
4BR	$1,660	$1,680	+1.2%	$1,512–$1,848

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 53512
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$980	$1,000	$1,280	$1,620	$1,680
FY 2026	$900	$960	$1,250	$1,600	$1,660
FY 2025	$820	$880	$1,150	$1,510	$1,530
FY 2024	$800	$840	$1,110	$1,470	$1,540
FY 2023	$750	$770	$1,020	$1,360	$1,440

Two-bedroom rent in nearby Rock County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 53512
53501	$1,280	0.0%
53502	$1,130	−11.7%
53505	$1,690	+32.0%
53511	$1,290	+0.8%
53512Current	$1,280	—
53520	$1,130	−11.7%
53521	$1,530	+19.5%
53525	$1,280	0.0%
53534	$1,530	+19.5%
53536	$1,260	−1.6%
53537	$1,130	−11.7%
53538	$1,180	−7.8%

Questions about ZIP 53512 rents

How much will Section 8 pay for a two-bedroom in ZIP 53512?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,280, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,152 to $1,408 a month; under the ZIP-level Small Area FMR of $1,280 it would be $1,152 to $1,408. 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 53512 in?

ZIP 53512 is in the Janesville-Beloit, WI MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,280.

How much did fair market rent change in ZIP 53512 for FY 2027?

The two-bedroom FMR rose 2.4%, from $1,250 in FY 2026 to $1,280 in FY 2027. Since FY 2023 it has risen 25.5%.

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 rent Beloit, WI fair market rent WI statewide rents What is SAFMR?Data sources