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Ramsey County/SAINT PAUL/55101

55101

ZIPSAFMR
Ramsey County, MN
Zillow
BRFMR
Eff. Rent
0 BR$1,480▲$1,160
1 BR$1,680▲$1,450
2 BR$2,040▲$1,660
3 BR$2,700—$1,870
4 BR$3,020▼$2,050
5 BR$3,473▼—
6 BR$3,994▼—
7 BR$4,593▼—
8 BR$5,282▼—

Purchase Price Calculator

Maximum purchase price
$184,759

Cost breakdown

+Likely effective rent$1,660
HUD FMR$2,040
Market rentUsed$1,660
Est. payment standard (90%)$1,840
Market rent is below the inferred standard ($1,840, 90% of FMR).
-Principal and interest-$934
Loan amount$147,807
Down payment$36,952
Rate6.50%
Term30 years
-Operating costs-$526
Property taxes-$185
Insurance-$175
Utilities$0
HOA$0
Management-$166
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,702(72.3% ROI)
Projected value
$198,965
Current value$184,759
Return breakdown
Property appreciation+$14,206
Loan principal paid down+$5,296
Rental cash flow+$7,200
5-year hold
+$45,722(123.7% ROI)
Projected value
$209,038
Current value$184,759
Return breakdown
Property appreciation+$24,279
Loan principal paid down+$9,443
Rental cash flow+$12,000
10-year hold
+$98,250(265.9% ROI)
Projected value
$236,507
Current value$184,759
Return breakdown
Property appreciation+$51,748
Loan principal paid down+$22,502
Rental cash flow+$24,000

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
1.28ratio
FMR$1,480
Market$1,160
vs market+$320

FMR is above market; underwrite to market rent.

90% standard$1,332 / 1.15 ratio110% standard$1,628 / 1.40 ratio
1.28
1 BR
1 BR
1.16ratio
FMR$1,680
Market$1,450
vs market+$230

FMR is above market; underwrite to market rent.

90% standard$1,512 / 1.04 ratio110% standard$1,848 / 1.27 ratio
1.16
2 BR
2 BR
1.23ratio
FMR$2,040
Market$1,660
vs market+$380

FMR is above market; underwrite to market rent.

90% standard$1,836 / 1.11 ratio110% standard$2,244 / 1.35 ratio
1.23
3 BR
3 BR
1.44ratio
FMR$2,700
Market$1,870
vs market+$830

FMR is above market; underwrite to market rent.

90% standard$2,430 / 1.30 ratio110% standard$2,970 / 1.59 ratio
1.44
4 BR
4 BR
1.47ratio
FMR$3,020
Market$2,050
vs market+$970

FMR is above market; underwrite to market rent.

90% standard$2,718 / 1.33 ratio110% standard$3,322 / 1.62 ratio
1.47
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom 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 55101 (MN) 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.

What is FMR?What is SAFMR?Data sourcesIncomplete geosView county page

55101 fair market rent benchmarks

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 55101 shows monthly rent benchmarks by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,040 and the 4 bedroom fair market rent is $3,020.

Use these values to compare bedroom-size rent benchmarks and screen a property's rent assumptions. Local housing authorities set voucher payment standards, which may be above or below published HUD FMR, so confirm the applicable authority and current schedule before underwriting a property. Read the FMR and payment-standard guide for the full verification workflow.

FY 2026 Fair Market Rent by bedroom size for 55101
Bedroom sizeHUD FMR
Studio$1,480
1 bedroom$1,680
2 bedroom$2,040
3 bedroom$2,700
4 bedroom$3,020
Ramsey County fair market rentSAINT PAUL, MN fair market rent