73105

ZIPSAFMR

Oklahoma County, OK

ZIP Investment Score

126Above average

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$970	$1,070	4.1%
1 BR	$1,050	$1,090	4.5%
2 BR	$1,280	$1,210	3.9%
3 BR	$1,730	$1,440	4.4%
4 BR	$1,950	$1,510	5.1%
5 BR	$2,243	Not available	5.1%
6 BR	$2,579	Not available	5.1%
7 BR	$2,966	Not available	5.1%
8 BR	$3,411	Not available	5.1%

Purchase Price Calculator

Maximum purchase price

$117,889

Cost breakdown

+Likely effective rent$1,210

HUD FMR$1,280

Market rentUsed$1,210

Est. payment standard (96%)$1,230

-Principal and interest-$596

Loan amount$94,311

Down payment$23,578

Rate6.50%

Term30 years

-Operating costs-$414

Property taxes-$118

Insurance-$175

Utilities$0

HOA$0

Management-$121

=Target cash flow+$200

Calculation mode

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

Hold period projections

Annual appreciation rate

3-year hold

+$19,644(83.3% ROI)

Projected value

$126,954

Return breakdown

Property appreciation+$9,065

Loan principal paid down+$3,379

Rental cash flow+$7,200

5-year hold

+$33,517(142.2% ROI)

Projected value

$133,381

Return breakdown

Property appreciation+$15,492

Loan principal paid down+$6,026

Rental cash flow+$12,000

10-year hold

+$71,377(302.7% ROI)

Projected value

$150,908

Return breakdown

Property appreciation+$33,019

Loan principal paid down+$14,358

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

0.87ratio

FMR$970

Market$1,120

vs market-$150

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

0.87

1 BR

0.95ratio

FMR$1,050

Market$1,110

vs market-$60

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

0.95

2 BR

1.06ratio

FMR$1,280

Market$1,210

vs market+$70

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

1.06

3 BR

1.20ratio

FMR$1,730

Market$1,440

vs market+$290

FMR is above market; underwrite to market rent.

1.20

4 BR

1.29ratio

FMR$1,950

Market$1,510

vs market+$440

FMR is above market; underwrite to market rent.

1.29

0.700.800.901.001.101.201.30aligned range

Historical

FY 2023-2027

FMR: FY2027
Market rent: last ~365 days
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 73105 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 73105 (Oklahoma City, OK) is $1,280 a month. That is up 0.8% from $1,270 in FY 2026. Oklahoma City is in the Oklahoma City, OK HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 82 ZIP codes in Oklahoma County, 73105 is tied for the 32nd-highest two-bedroom rent (county range $920–$1,900). The median county two-bedroom FMR in Oklahoma is $916, so ZIP 73105 is 40% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 73105
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$960	$970	+1.0%	$873–$1,067
1BR	$1,040	$1,050	+1.0%	$945–$1,155
2BR	$1,270	$1,280	+0.8%	$1,152–$1,408
3BR	$1,710	$1,730	+1.2%	$1,557–$1,903
4BR	$1,900	$1,950	+2.6%	$1,755–$2,145

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 73105
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$970	$1,050	$1,280	$1,730	$1,950
FY 2026	$960	$1,040	$1,270	$1,710	$1,900
FY 2025	$920	$990	$1,220	$1,630	$1,780
FY 2024	$860	$920	$1,140	$1,520	$1,680
FY 2023	$810	$860	$1,060	$1,410	$1,600

Two-bedroom rent in nearby Oklahoma County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 73105
73099	$1,430	+11.7%
73101	$1,240	−3.1%
73102	$1,560	+21.9%
73103	$1,410	+10.2%
73104	$1,710	+33.6%
73105Current	$1,280	—
73106	$1,220	−4.7%
73107	$1,180	−7.8%
73108	$1,040	−18.7%
73109	$1,030	−19.5%
73110	$1,180	−7.8%
73111	$1,090	−14.8%

Questions about ZIP 73105 rents

How much will Section 8 pay for a two-bedroom in ZIP 73105?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,280, that basic range is $1,152 to $1,408 a month. 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 73105 in?

ZIP 73105 is in the Oklahoma City, OK HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 73105 for FY 2027?

The two-bedroom FMR rose 0.8%, from $1,270 in FY 2026 to $1,280 in FY 2027. Since FY 2023 it has risen 20.8%.

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 rent Oklahoma City, OK fair market rent OK statewide rents What is SAFMR?Data sources