59771
ZIPSAFMR
Gallatin County, MT
BRFMR
Eff. Rent
0 BR$1,480$1,630
1 BR$1,640$1,740
2 BR$2,150$2,230
3 BR$2,990$2,710
4 BR$3,530$3,060
5 BR$4,059
6 BR$4,668
7 BR$5,369
8 BR$6,174

Purchase Price Calculator

Maximum purchase price
$269,461

Cost breakdown

+Likely effective rent$2,230
HUD FMR$2,150
Market rent$2,270
Est. payment standard (104%)Used$2,230
Estimated payment standard is $2,230 (104% of FMR).
-Principal and interest-$1,363
Loan amount$215,568
Down payment$53,892
Rate6.50%
Term30 years
-Operating costs-$667
Property taxes-$269
Insurance-$175
Utilities$0
HOA$0
Management-$223
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$35,642(66.1% ROI)
Projected value
$290,180
Current value$269,461
Return breakdown
Property appreciation+$20,719
Loan principal paid down+$7,723
Rental cash flow+$7,200
5-year hold
+$61,182(113.5% ROI)
Projected value
$304,870
Current value$269,461
Return breakdown
Property appreciation+$35,409
Loan principal paid down+$13,773
Rental cash flow+$12,000
10-year hold
+$132,290(245.5% ROI)
Projected value
$344,932
Current value$269,461
Return breakdown
Property appreciation+$75,472
Loan principal paid down+$32,818
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
0.72ratio
FMR$1,480
Market$2,060
vs market-$580

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

90% standard$1,332 / 0.65 ratio110% standard$1,628 / 0.79 ratio
0.72
1 BR
1 BR
0.92ratio
FMR$1,640
Market$1,790
vs market-$150

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

90% standard$1,476 / 0.82 ratio110% standard$1,804 / 1.01 ratio
0.92
2 BR
2 BR
0.95ratio
FMR$2,150
Market$2,270
vs market-$120

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

90% standard$1,935 / 0.85 ratio110% standard$2,365 / 1.04 ratio
0.95
3 BR
3 BR
1.10ratio
FMR$2,990
Market$2,710
vs market+$280

FMR is above market; underwrite to market rent.

90% standard$2,691 / 0.99 ratio110% standard$3,289 / 1.21 ratio
1.10
4 BR
4 BR
1.15ratio
FMR$3,530
Market$3,060
vs market+$470

FMR is above market; underwrite to market rent.

90% standard$3,177 / 1.04 ratio110% standard$3,883 / 1.27 ratio
1.15
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 59771 (MT) 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.

59771 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 59771 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,150 and the 4 bedroom fair market rent is $3,530.

Use this page for searches like 59771 FMR, 59771 fair market rent, and 59771 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 59771
Bedroom sizeHUD FMR
Studio$1,480
1 bedroom$1,640
2 bedroom$2,150
3 bedroom$2,990
4 bedroom$3,530