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Cleburne County/Tumbling Shoals/72581

72581

ZIPSAFMR
Cleburne County, AR
Zillow

ZIP Investment Score

87Below average

095130300
BRFMR
Eff. Rent
0 BR$700$770
1 BR$760$800
2 BR$1,000$890
3 BR$1,290$990
4 BR$1,360$1,070
5 BR$1,564Not available
6 BR$1,799Not available
7 BR$2,068Not available
8 BR$2,379Not available

Purchase Price Calculator

Maximum purchase price
$70,337

Cost breakdown

+Likely effective rent$890
HUD FMR$1,000
Market rentUsed$890
Est. payment standard (93%)$930
-Principal and interest-$356
Loan amount$56,270
Down payment$14,067
Rate6.50%
Term30 years
-Operating costs-$334
Property taxes-$70
Insurance-$175
Utilities$0
HOA$0
Management-$89
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$14,624(104.0% ROI)
Projected value
$75,745
Return breakdown
Property appreciation+$5,408
Loan principal paid down+$2,016
Rental cash flow+$7,200
5-year hold
+$24,838(176.6% ROI)
Projected value
$79,580
Return breakdown
Property appreciation+$9,243
Loan principal paid down+$3,595
Rental cash flow+$12,000
10-year hold
+$52,267(371.5% ROI)
Projected value
$90,037
Return breakdown
Property appreciation+$19,700
Loan principal paid down+$8,566
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.84
1 BR
0.93
2 BR
1.12
3 BR
1.30
4 BR
1.27
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 72581 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 72581 (Tumbling Shoals, AR) is $1,000 a month. That is up 4.2% from $960 in FY 2026. Tumbling Shoals is in the Cleburne County, AR 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 $997. Among 7 ZIP codes in Cleburne County, 72581 is tied for the 2nd-highest two-bedroom rent (county range $910–$1,040). The median county two-bedroom FMR in Arkansas is $909, so ZIP 72581 is 10% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 72581
BedroomsFY 2027Change90–110% range
Studio$700+1.4%$630–$770
1BR$760+2.7%$684–$836
2BR$1,000+4.2%$900–$1,100
3BR$1,290+4.9%$1,161–$1,419
4BR$1,360+4.6%$1,224–$1,496

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 72581
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$700$760$1,000$1,290$1,360
FY 2026$690$740$960$1,230$1,300
FY 2025$670$700$920$1,160$1,220
FY 2024area FMR$650$667$876$1,089$1,167
FY 2023area FMR$583$591$778$949$1,045

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

Two-bedroom rent in nearby Cleburne County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 72581
72044$910−9.0%
72067$910−9.0%
72131$1,040+4.0%
72179$940−6.0%
72543$980−2.0%
72546$1,0000.0%
72581Current$1,000—

Questions about ZIP 72581 rents

How much will Section 8 pay for a two-bedroom in ZIP 72581?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $997, which applies unless the housing authority uses Small Area FMRs, that basic range is $897 to $1,097 a month; under the ZIP-level Small Area FMR of $1,000 it would be $900 to $1,100. 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 72581 in?

ZIP 72581 is in the Cleburne County, AR non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $997.

How much did fair market rent change in ZIP 72581 for FY 2027?

The two-bedroom FMR rose 4.2%, from $960 in FY 2026 to $1,000 in FY 2027. Since FY 2025 it has risen 8.7%.

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

County fair market rentTumbling Shoals, AR fair market rentAR statewide rentsWhat is SAFMR?Data sources