54028
ZIPSAFMR
St. Croix County, WI
BRFMR
Eff. Rent
0 BR$1,100$1,210
1 BR$1,250$1,280
2 BR$1,520$1,390
3 BR$2,020$1,420
4 BR$2,270$1,450
5 BR$2,611
6 BR$3,002
7 BR$3,452
8 BR$3,970

Purchase Price Calculator

Maximum purchase price
$144,637

Cost breakdown

+Likely effective rent$1,390
HUD FMR$1,520
Market rentUsed$1,390
Est. payment standard (94%)$1,440
Market rent is below the inferred standard ($1,440, 94% of FMR).
-Principal and interest-$731
Loan amount$115,710
Down payment$28,927
Rate6.50%
Term30 years
-Operating costs-$459
Property taxes-$145
Insurance-$175
Utilities$0
HOA$0
Management-$139
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,467(77.7% ROI)
Projected value
$155,758
Current value$144,637
Return breakdown
Property appreciation+$11,121
Loan principal paid down+$4,146
Rental cash flow+$7,200
5-year hold
+$38,399(132.7% ROI)
Projected value
$163,643
Current value$144,637
Return breakdown
Property appreciation+$19,006
Loan principal paid down+$7,393
Rental cash flow+$12,000
10-year hold
+$82,126(283.9% ROI)
Projected value
$185,148
Current value$144,637
Return breakdown
Property appreciation+$40,511
Loan principal paid down+$17,615
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
0.86ratio
FMR$1,100
Market$1,280
vs market-$180

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

90% standard$990 / 0.77 ratio110% standard$1,210 / 0.95 ratio
0.86
1 BR
1 BR
0.96ratio
FMR$1,250
Market$1,300
vs market-$50

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

90% standard$1,125 / 0.87 ratio110% standard$1,375 / 1.06 ratio
0.96
2 BR
2 BR
1.09ratio
FMR$1,520
Market$1,390
vs market+$130

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

90% standard$1,368 / 0.98 ratio110% standard$1,672 / 1.20 ratio
1.09
3 BR
3 BR
1.42ratio
FMR$2,020
Market$1,420
vs market+$600

FMR is above market; underwrite to market rent.

90% standard$1,818 / 1.28 ratio110% standard$2,222 / 1.56 ratio
1.42
4 BR
4 BR
1.57ratio
FMR$2,270
Market$1,450
vs market+$820

FMR is above market; underwrite to market rent.

1.57
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 54028 (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.

54028 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 54028 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 54028 FMR, 54028 fair market rent, and 54028 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 54028
Bedroom sizeHUD FMR
Studio$1,100
1 bedroom$1,250
2 bedroom$1,520
3 bedroom$2,020
4 bedroom$2,270