59801
ZIPSAFMR
Missoula County, MT
BRFMR
Eff. Rent
0 BR$1,130$1,070
1 BR$1,390$1,180
2 BR$1,640$1,590
3 BR$2,280$2,250
4 BR$2,750$2,500
5 BR$3,162
6 BR$3,637
7 BR$4,182
8 BR$4,810

Purchase Price Calculator

Maximum purchase price
$174,357

Cost breakdown

+Likely effective rent$1,590
HUD FMR$1,640
Market rentUsed$1,590
Est. payment standard (98%)$1,610
Market rent is below the inferred standard ($1,610, 98% of FMR).
-Principal and interest-$882
Loan amount$139,485
Down payment$34,871
Rate6.50%
Term30 years
-Operating costs-$508
Property taxes-$174
Insurance-$175
Utilities$0
HOA$0
Management-$159
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,604(73.4% ROI)
Projected value
$187,763
Current value$174,357
Return breakdown
Property appreciation+$13,406
Loan principal paid down+$4,997
Rental cash flow+$7,200
5-year hold
+$43,824(125.7% ROI)
Projected value
$197,269
Current value$174,357
Return breakdown
Property appreciation+$22,912
Loan principal paid down+$8,912
Rental cash flow+$12,000
10-year hold
+$94,070(269.8% ROI)
Projected value
$223,192
Current value$174,357
Return breakdown
Property appreciation+$48,835
Loan principal paid down+$21,235
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
1.06ratio
FMR$1,130
Market$1,070
vs market+$60

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

90% standard$1,017 / 0.95 ratio110% standard$1,243 / 1.16 ratio
1.06
1 BR
1 BR
1.18ratio
FMR$1,390
Market$1,180
vs market+$210

FMR is above market; underwrite to market rent.

90% standard$1,251 / 1.06 ratio110% standard$1,529 / 1.30 ratio
1.18
2 BR
2 BR
1.03ratio
FMR$1,640
Market$1,590
vs market+$50

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

90% standard$1,476 / 0.93 ratio110% standard$1,804 / 1.13 ratio
1.03
3 BR
3 BR
1.01ratio
FMR$2,280
Market$2,250
vs market+$30

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

90% standard$2,052 / 0.91 ratio110% standard$2,508 / 1.11 ratio
1.01
4 BR
4 BR
1.10ratio
FMR$2,750
Market$2,500
vs market+$250

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

90% standard$2,475 / 0.99 ratio110% standard$3,025 / 1.21 ratio
1.10
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 59801 (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.

59801 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 59801 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,640 and the 4 bedroom fair market rent is $2,750.

Use this page for searches like 59801 FMR, 59801 fair market rent, and 59801 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 59801
Bedroom sizeHUD FMR
Studio$1,130
1 bedroom$1,390
2 bedroom$1,640
3 bedroom$2,280
4 bedroom$2,750