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Pontotoc County/Tupelo/74572

74572

ZIPSAFMR
Pontotoc County, OK
Zillow

ZIP Investment Score

129Above average

095130300
BRFMR
Eff. Rent
0 BR$830$830
1 BR$840$840
2 BR$1,100$1,100
3 BR$1,500$1,500
4 BR$1,740$1,740
5 BR$2,001Not available
6 BR$2,301Not available
7 BR$2,646Not available
8 BR$3,043Not available

Purchase Price Calculator

Maximum purchase price
$101,543

Cost breakdown

+Likely effective rent$1,100
HUD FMRUsed$1,100
Market rentN/A
Est. payment standardN/A
-Principal and interest-$513
Loan amount$81,234
Down payment$20,309
Rate6.50%
Term30 years
-Operating costs-$387
Property taxes-$102
Insurance-$175
Utilities$0
HOA$0
Management-$110
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$17,918(88.2% ROI)
Projected value
$109,351
Return breakdown
Property appreciation+$7,808
Loan principal paid down+$2,910
Rental cash flow+$7,200
5-year hold
+$30,534(150.3% ROI)
Projected value
$114,887
Return breakdown
Property appreciation+$13,344
Loan principal paid down+$5,190
Rental cash flow+$12,000
10-year hold
+$64,808(319.1% ROI)
Projected value
$129,984
Return breakdown
Property appreciation+$28,441
Loan principal paid down+$12,367
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
--
Mortgage rate
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ZIP 74572 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 74572 (Tupelo, OK) is $1,100 a month. That is down 8.3% from $1,200 in FY 2026. Tupelo is in the Pontotoc 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 $982. Among 11 ZIP codes in Pontotoc County, 74572 has the 2nd-highest two-bedroom rent (county range $920–$1,110). The median county two-bedroom FMR in Oklahoma is $916, so ZIP 74572 is 20% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 74572
BedroomsFY 2027Change90–110% range
Studio$830−6.7%$747–$913
1BR$840−7.7%$756–$924
2BR$1,100−8.3%$990–$1,210
3BR$1,500−7.4%$1,350–$1,650
4BR$1,740−9.8%$1,566–$1,914

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 74572
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$830$840$1,100$1,500$1,740
FY 2026$890$910$1,200$1,620$1,930
FY 2025$810$830$1,090$1,440$1,710
FY 2024area FMR$721$726$954$1,213$1,271
FY 2023area FMR$618$622$819$1,062$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 Pontotoc County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 74572
74572Current$1,100—
74820$1,020−7.3%
74821$980−10.9%
74825$1,110+0.9%
74831$980−10.9%
74842$920−16.4%
74843$950−13.6%
74844$950−13.6%
74865$920−16.4%
74871$920−16.4%
74872$920−16.4%

Questions about ZIP 74572 rents

How much will Section 8 pay for a two-bedroom in ZIP 74572?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $982, which applies unless the housing authority uses Small Area FMRs, that basic range is $884 to $1,080 a month; under the ZIP-level Small Area FMR of $1,100 it would be $990 to $1,210. 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 74572 in?

ZIP 74572 is in the Pontotoc County, OK non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $982.

How much did fair market rent change in ZIP 74572 for FY 2027?

The two-bedroom FMR fell 8.3%, from $1,200 in FY 2026 to $1,100 in FY 2027. Since FY 2025 it has risen 0.9%.

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