Skip to main content
Loading page
Marshall County/Ardmore/73401

73401

ZIPSAFMR
Marshall County, OK
Zillow

ZIP Investment Score

93Below average

095130300
BRFMR
Eff. Rent
0 BR$800$880
1 BR$880$890
2 BR$1,090$1,020
3 BR$1,380$1,380
4 BR$1,620$1,620
5 BR$1,863Not available
6 BR$2,142Not available
7 BR$2,464Not available
8 BR$2,833Not available

Purchase Price Calculator

Maximum purchase price
$89,655

Cost breakdown

+Likely effective rent$1,020
HUD FMR$1,090
Market rentUsed$1,020
Est. payment standard (96%)$1,040
-Principal and interest-$453
Loan amount$71,724
Down payment$17,931
Rate6.50%
Term30 years
-Operating costs-$367
Property taxes-$90
Insurance-$175
Utilities$0
HOA$0
Management-$102
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,663(92.9% ROI)
Projected value
$96,549
Return breakdown
Property appreciation+$6,894
Loan principal paid down+$2,570
Rental cash flow+$7,200
5-year hold
+$28,364(158.2% ROI)
Projected value
$101,437
Return breakdown
Property appreciation+$11,781
Loan principal paid down+$4,582
Rental cash flow+$12,000
10-year hold
+$60,030(334.8% ROI)
Projected value
$114,766
Return breakdown
Property appreciation+$25,111
Loan principal paid down+$10,919
Rental cash flow+$24,000

Public Housing Authority

Loading Public Housing Authority

Rolodex

Loading Rolodex

Market Alignment

Studio
0.83
1 BR
0.98
2 BR
1.07
3 BR
1.00
4 BR
1.00
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 73401 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 73401 (Ardmore, OK) is $1,090 a month. That is down 0.9% from $1,100 in FY 2026. Ardmore is in the Marshall County, OK 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 $916. Among 6 ZIP codes in Marshall County, 73401 has the highest two-bedroom rent (county range $960–$1,090). The median county two-bedroom FMR in Oklahoma is $916, so ZIP 73401 is 19% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 73401
BedroomsFY 2027Change90–110% range
Studio$800−1.2%$720–$880
1BR$880+4.8%$792–$968
2BR$1,090−0.9%$981–$1,199
3BR$1,3800.0%$1,242–$1,518
4BR$1,6200.0%$1,458–$1,782

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 73401
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$800$880$1,090$1,380$1,620
FY 2026$810$840$1,100$1,380$1,620
FY 2025$790$790$1,040$1,290$1,470
FY 2024area FMR$677$678$891$1,129$1,187
FY 2023area FMR$601$605$797$998$1,100

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

Two-bedroom rent in nearby Marshall County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 73401
73401Current$1,090—
73439$960−11.9%
73440$1,060−2.8%
73446$960−11.9%
73447$1,060−2.8%
73448$1,040−4.6%

Questions about ZIP 73401 rents

How much will Section 8 pay for a two-bedroom in ZIP 73401?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $916, which applies unless the housing authority uses Small Area FMRs, that basic range is $824 to $1,008 a month; under the ZIP-level Small Area FMR of $1,090 it would be $981 to $1,199. 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 73401 in?

ZIP 73401 is in the Marshall County, OK non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $916.

How much did fair market rent change in ZIP 73401 for FY 2027?

The two-bedroom FMR fell 0.9%, from $1,100 in FY 2026 to $1,090 in FY 2027. Since FY 2025 it has risen 4.8%.

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 rentArdmore, OK fair market rentOK statewide rentsWhat is SAFMR?Data sources