73078
ZIPSAFMR
Kingfisher County, OK
BRFMR
Eff. Rent
0 BR$1,410$1,290
1 BR$1,530$1,320
2 BR$1,870$1,420
3 BR$2,520$1,590
4 BR$2,790$2,110
5 BR$3,208
6 BR$3,690
7 BR$4,243
8 BR$4,880

Purchase Price Calculator

Maximum purchase price
$149,095

Cost breakdown

+Likely effective rent$1,420
HUD FMR$1,870
Market rentUsed$1,420
Est. payment standard (90%)$1,680
Market rent is below the inferred standard ($1,680, 90% of FMR).
-Principal and interest-$754
Loan amount$119,276
Down payment$29,819
Rate6.50%
Term30 years
-Operating costs-$466
Property taxes-$149
Insurance-$175
Utilities$0
HOA$0
Management-$142
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,937(76.9% ROI)
Projected value
$160,559
Current value$149,095
Return breakdown
Property appreciation+$11,464
Loan principal paid down+$4,273
Rental cash flow+$7,200
5-year hold
+$39,213(131.5% ROI)
Projected value
$168,687
Current value$149,095
Return breakdown
Property appreciation+$19,592
Loan principal paid down+$7,621
Rental cash flow+$12,000
10-year hold
+$83,918(281.4% ROI)
Projected value
$190,854
Current value$149,095
Return breakdown
Property appreciation+$41,759
Loan principal paid down+$18,158
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
1.09ratio
FMR$1,410
Market$1,290
vs market+$120

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

90% standard$1,269 / 0.98 ratio110% standard$1,551 / 1.20 ratio
1.09
1 BR
1 BR
1.16ratio
FMR$1,530
Market$1,320
vs market+$210

FMR is above market; underwrite to market rent.

90% standard$1,377 / 1.04 ratio110% standard$1,683 / 1.28 ratio
1.16
2 BR
2 BR
1.32ratio
FMR$1,870
Market$1,420
vs market+$450

FMR is above market; underwrite to market rent.

90% standard$1,683 / 1.19 ratio110% standard$2,057 / 1.45 ratio
1.32
3 BR
3 BR
1.58ratio
FMR$2,520
Market$1,590
vs market+$930

FMR is above market; underwrite to market rent.

1.58
4 BR
4 BR
1.32ratio
FMR$2,790
Market$2,110
vs market+$680

FMR is above market; underwrite to market rent.

90% standard$2,511 / 1.19 ratio110% standard$3,069 / 1.45 ratio
1.32
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 73078 (OK) 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.

73078 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 73078 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,870 and the 4 bedroom fair market rent is $2,790.

Use this page for searches like 73078 FMR, 73078 fair market rent, and 73078 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 73078
Bedroom sizeHUD FMR
Studio$1,410
1 bedroom$1,530
2 bedroom$1,870
3 bedroom$2,520
4 bedroom$2,790