55146
ZIPFMR
Ramsey County, MN
BRFMR
Eff. Rent
0 BR$1,242$1,130
1 BR$1,405$1,410
2 BR$1,709$1,710
3 BR$2,262$2,050
4 BR$2,531$2,080
5 BR$2,911
6 BR$3,347
7 BR$3,849
8 BR$4,427

Purchase Price Calculator

Maximum purchase price
$192,189

Cost breakdown

+Likely effective rent$1,710
HUD FMR$1,709
Market rent$1,710
Est. payment standard (100%)Used$1,710
Estimated payment standard is $1,710 (100% of FMR).
-Principal and interest-$972
Loan amount$153,751
Down payment$38,438
Rate6.50%
Term30 years
-Operating costs-$538
Property taxes-$192
Insurance-$175
Utilities$0
HOA$0
Management-$171
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,486(71.5% ROI)
Projected value
$206,966
Current value$192,189
Return breakdown
Property appreciation+$14,778
Loan principal paid down+$5,509
Rental cash flow+$7,200
5-year hold
+$47,078(122.5% ROI)
Projected value
$217,444
Current value$192,189
Return breakdown
Property appreciation+$25,255
Loan principal paid down+$9,823
Rental cash flow+$12,000
10-year hold
+$101,236(263.4% ROI)
Projected value
$246,018
Current value$192,189
Return breakdown
Property appreciation+$53,829
Loan principal paid down+$23,407
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
1.10ratio
FMR$1,242
Market$1,130
vs market+$112

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

90% standard$1,118 / 0.99 ratio110% standard$1,366 / 1.21 ratio
1.10
1 BR
1 BR
0.99ratio
FMR$1,405
Market$1,420
vs market-$15

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

90% standard$1,265 / 0.89 ratio110% standard$1,546 / 1.09 ratio
0.99
2 BR
2 BR
1.00ratio
FMR$1,709
Market$1,710
vs market-$1

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

90% standard$1,538 / 0.90 ratio110% standard$1,880 / 1.10 ratio
1.00
3 BR
3 BR
1.10ratio
FMR$2,262
Market$2,050
vs market+$212

FMR is above market; underwrite to market rent.

90% standard$2,036 / 0.99 ratio110% standard$2,488 / 1.21 ratio
1.10
4 BR
4 BR
1.22ratio
FMR$2,531
Market$2,080
vs market+$451

FMR is above market; underwrite to market rent.

90% standard$2,278 / 1.10 ratio110% standard$2,784 / 1.34 ratio
1.22
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 55146 (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 FMR 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.

55146 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 55146 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,709 and the 4 bedroom fair market rent is $2,531.

Use this page for searches like 55146 FMR, 55146 fair market rent, and 55146 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 55146
Bedroom sizeHUD FMR
Studio$1,242
1 bedroom$1,405
2 bedroom$1,709
3 bedroom$2,262
4 bedroom$2,531