54002
ZIPSAFMR
St. Croix County, WI
BRFMR
Eff. Rent
0 BR$1,100$1,150
1 BR$1,250$1,300
2 BR$1,520$1,380
3 BR$2,020$1,570
4 BR$2,270$1,520
5 BR$2,611
6 BR$3,002
7 BR$3,452
8 BR$3,970

Purchase Price Calculator

Maximum purchase price
$143,151

Cost breakdown

+Likely effective rent$1,380
HUD FMR$1,520
Market rentUsed$1,380
Est. payment standard (94%)$1,430
Market rent is below the inferred standard ($1,430, 94% of FMR).
-Principal and interest-$724
Loan amount$114,521
Down payment$28,630
Rate6.50%
Term30 years
-Operating costs-$456
Property taxes-$143
Insurance-$175
Utilities$0
HOA$0
Management-$138
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,310(77.9% ROI)
Projected value
$154,158
Current value$143,151
Return breakdown
Property appreciation+$11,007
Loan principal paid down+$4,103
Rental cash flow+$7,200
5-year hold
+$38,128(133.2% ROI)
Projected value
$161,962
Current value$143,151
Return breakdown
Property appreciation+$18,811
Loan principal paid down+$7,317
Rental cash flow+$12,000
10-year hold
+$81,529(284.8% ROI)
Projected value
$183,245
Current value$143,151
Return breakdown
Property appreciation+$40,094
Loan principal paid down+$17,434
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
0.93ratio
FMR$1,100
Market$1,180
vs market-$80

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

90% standard$990 / 0.84 ratio110% standard$1,210 / 1.03 ratio
0.93
1 BR
1 BR
0.95ratio
FMR$1,250
Market$1,320
vs market-$70

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

90% standard$1,125 / 0.85 ratio110% standard$1,375 / 1.04 ratio
0.95
2 BR
2 BR
1.10ratio
FMR$1,520
Market$1,380
vs market+$140

FMR is above market; underwrite to market rent.

90% standard$1,368 / 0.99 ratio110% standard$1,672 / 1.21 ratio
1.10
3 BR
3 BR
1.29ratio
FMR$2,020
Market$1,570
vs market+$450

FMR is above market; underwrite to market rent.

90% standard$1,818 / 1.16 ratio110% standard$2,222 / 1.42 ratio
1.29
4 BR
4 BR
1.49ratio
FMR$2,270
Market$1,520
vs market+$750

FMR is above market; underwrite to market rent.

90% standard$2,043 / 1.34 ratio110% standard$2,497 / 1.64 ratio
1.49
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit 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 54002 (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.

54002 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 54002 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,520 and the 4 bedroom fair market rent is $2,270.

Use this page for searches like 54002 FMR, 54002 fair market rent, and 54002 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 54002
Bedroom sizeHUD FMR
Studio$1,100
1 bedroom$1,250
2 bedroom$1,520
3 bedroom$2,020
4 bedroom$2,270