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58794

ZIPSAFMR
Mountrail County, ND
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$1,110$1,110
1 BR$1,200$1,200
2 BR$1,490$1,490
3 BR$1,850$1,850
4 BR$2,010$2,010
5 BR$2,312Not available
6 BR$2,658Not available
7 BR$3,057Not available
8 BR$3,516Not available

Purchase Price Calculator

Maximum purchase price
$159,497

Cost breakdown

+Likely effective rent$1,490
HUD FMRUsed$1,490
Market rentN/A
Est. payment standardN/A
-Principal and interest-$807
Loan amount$127,598
Down payment$31,899
Rate6.50%
Term30 years
-Operating costs-$483
Property taxes-$159
Insurance-$175
Utilities$0
HOA$0
Management-$149
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,035(75.3% ROI)
Projected value
$171,761
Return breakdown
Property appreciation+$12,264
Loan principal paid down+$4,572
Rental cash flow+$7,200
5-year hold
+$41,111(128.9% ROI)
Projected value
$180,456
Return breakdown
Property appreciation+$20,959
Loan principal paid down+$8,152
Rental cash flow+$12,000
10-year hold
+$88,098(276.2% ROI)
Projected value
$204,170
Return breakdown
Property appreciation+$44,673
Loan principal paid down+$19,425
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
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Mortgage rate
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ZIP 58794 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 58794 (White Earth, ND) is $1,490 a month. That is up 20.2% from $1,240 in FY 2026. White Earth is in the Mountrail County, ND non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,356. Among 13 ZIP codes in Mountrail County, 58794 has the 4th-highest two-bedroom rent (county range $1,010–$1,770). The median county two-bedroom FMR in North Dakota is $1,014, so ZIP 58794 is 47% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 58794
BedroomsFY 2027Change90–110% range
Studio$1,110+19.4%$999–$1,221
1BR$1,200+17.6%$1,080–$1,320
2BR$1,490+20.2%$1,341–$1,639
3BR$1,850+14.9%$1,665–$2,035
4BR$2,010+14.9%$1,809–$2,211

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 58794
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,110$1,200$1,490$1,850$2,010
FY 2026$930$1,020$1,240$1,610$1,750
FY 2025$900$1,010$1,140$1,580$1,860
FY 2024area FMR$734$765$859$1,211$1,433
FY 2023area FMR$720$736$831$1,167$1,361

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Mountrail County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 58794
58734$1,070−28.2%
58746$1,050−29.5%
58756$1,100−26.2%
58763$1,220−18.1%
58769$1,100−26.2%
58770$1,010−32.2%
58771$1,320−11.4%
58773$1,500+0.7%
58776$1,770+18.8%
58784$1,540+3.4%
58794Current$1,490—
58852$1,290−13.4%

Questions about ZIP 58794 rents

How much will Section 8 pay for a two-bedroom in ZIP 58794?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,356, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,220 to $1,492 a month; under the ZIP-level Small Area FMR of $1,490 it would be $1,341 to $1,639. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 58794 in?

ZIP 58794 is in the Mountrail County, ND non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,356.

How much did fair market rent change in ZIP 58794 for FY 2027?

The two-bedroom FMR rose 20.2%, from $1,240 in FY 2026 to $1,490 in FY 2027. Since FY 2025 it has risen 30.7%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set