74103
ZIPSAFMR
Osage County, OK
BRFMR
Eff. Rent
0 BR$1,290$1,140
1 BR$1,360$1,490
2 BR$1,680$1,850
3 BR$2,210$2,200
4 BR$2,560$2,820
5 BR$2,944
6 BR$3,386
7 BR$3,893
8 BR$4,477

Purchase Price Calculator

Maximum purchase price
$212,993

Cost breakdown

+Likely effective rent$1,850
HUD FMR$1,680
Market rent$2,250
Est. payment standard (110%)Used$1,850
Estimated payment standard is $1,850 (110% of FMR).
-Principal and interest-$1,077
Loan amount$170,394
Down payment$42,599
Rate6.50%
Term30 years
-Operating costs-$573
Property taxes-$213
Insurance-$175
Utilities$0
HOA$0
Management-$185
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,682(69.7% ROI)
Projected value
$229,370
Current value$212,993
Return breakdown
Property appreciation+$16,377
Loan principal paid down+$6,105
Rental cash flow+$7,200
5-year hold
+$50,876(119.4% ROI)
Projected value
$240,982
Current value$212,993
Return breakdown
Property appreciation+$27,989
Loan principal paid down+$10,887
Rental cash flow+$12,000
10-year hold
+$109,597(257.3% ROI)
Projected value
$272,649
Current value$212,993
Return breakdown
Property appreciation+$59,656
Loan principal paid down+$25,941
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
1.13ratio
FMR$1,290
Market$1,140
vs market+$150

FMR is above market; underwrite to market rent.

90% standard$1,161 / 1.02 ratio110% standard$1,419 / 1.24 ratio
1.13
1 BR
1 BR
0.87ratio
FMR$1,360
Market$1,560
vs market-$200

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

90% standard$1,224 / 0.78 ratio110% standard$1,496 / 0.96 ratio
0.87
2 BR
2 BR
0.75ratio
FMR$1,680
Market$2,250
vs market-$570

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

90% standard$1,512 / 0.67 ratio110% standard$1,848 / 0.82 ratio
0.75
3 BR
3 BR
1.00ratio
FMR$2,210
Market$2,200
vs market+$10

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

90% standard$1,989 / 0.90 ratio110% standard$2,431 / 1.11 ratio
1.00
4 BR
4 BR
0.75ratio
FMR$2,560
Market$3,430
vs market-$870

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

90% standard$2,304 / 0.67 ratio110% standard$2,816 / 0.82 ratio
0.75
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 74103 (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.

74103 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 74103 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,680 and the 4 bedroom fair market rent is $2,560.

Use this page for searches like 74103 FMR, 74103 fair market rent, and 74103 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 74103
Bedroom sizeHUD FMR
Studio$1,290
1 bedroom$1,360
2 bedroom$1,680
3 bedroom$2,210
4 bedroom$2,560