55814
ZIPSAFMR
St. Louis County, MN
BRFMR
Eff. Rent
0 BR$1,080$1,190
1 BR$1,250$1,380
2 BR$1,570$1,730
3 BR$2,150$2,370
4 BR$2,630$2,530
5 BR$3,024
6 BR$3,478
7 BR$4,000
8 BR$4,600

Purchase Price Calculator

Maximum purchase price
$195,161

Cost breakdown

+Likely effective rent$1,730
HUD FMR$1,570
Market rent$2,010
Est. payment standard (110%)Used$1,730
Estimated payment standard is $1,730 (110% of FMR).
-Principal and interest-$987
Loan amount$156,129
Down payment$39,032
Rate6.50%
Term30 years
-Operating costs-$543
Property taxes-$195
Insurance-$175
Utilities$0
HOA$0
Management-$173
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,800(71.2% ROI)
Projected value
$210,167
Current value$195,161
Return breakdown
Property appreciation+$15,006
Loan principal paid down+$5,594
Rental cash flow+$7,200
5-year hold
+$47,621(122.0% ROI)
Projected value
$220,807
Current value$195,161
Return breakdown
Property appreciation+$25,646
Loan principal paid down+$9,975
Rental cash flow+$12,000
10-year hold
+$102,430(262.4% ROI)
Projected value
$249,822
Current value$195,161
Return breakdown
Property appreciation+$54,662
Loan principal paid down+$23,769
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
0.61ratio
FMR$1,080
Market$1,770
vs market-$690

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

90% standard$972 / 0.55 ratio110% standard$1,188 / 0.67 ratio
0.61
1 BR
1 BR
0.72ratio
FMR$1,250
Market$1,740
vs market-$490

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

90% standard$1,125 / 0.65 ratio110% standard$1,375 / 0.79 ratio
0.72
2 BR
2 BR
0.78ratio
FMR$1,570
Market$2,010
vs market-$440

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

90% standard$1,413 / 0.70 ratio110% standard$1,727 / 0.86 ratio
0.78
3 BR
3 BR
0.86ratio
FMR$2,150
Market$2,490
vs market-$340

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

90% standard$1,935 / 0.78 ratio110% standard$2,365 / 0.95 ratio
0.86
4 BR
4 BR
1.04ratio
FMR$2,630
Market$2,530
vs market+$100

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

90% standard$2,367 / 0.94 ratio110% standard$2,893 / 1.14 ratio
1.04
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 55814 (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.

55814 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 55814 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,570 and the 4 bedroom fair market rent is $2,630.

Use this page for searches like 55814 FMR, 55814 fair market rent, and 55814 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 55814
Bedroom sizeHUD FMR
Studio$1,080
1 bedroom$1,250
2 bedroom$1,570
3 bedroom$2,150
4 bedroom$2,630