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Pawnee County/Ralston/74650

74650

ZIPSAFMR
Pawnee County, OK
Zillow

ZIP Investment Score

112Above average

095130300
BRFMR
Eff. Rent
0 BR$710$710
1 BR$750$750
2 BR$930$930
3 BR$1,200$1,200
4 BR$1,460$1,460
5 BR$1,679Not available
6 BR$1,931Not available
7 BR$2,220Not available
8 BR$2,554Not available

Purchase Price Calculator

Maximum purchase price
$76,281

Cost breakdown

+Likely effective rent$930
HUD FMRUsed$930
Market rentN/A
Est. payment standardN/A
-Principal and interest-$386
Loan amount$61,025
Down payment$15,256
Rate6.50%
Term30 years
-Operating costs-$344
Property taxes-$76
Insurance-$175
Utilities$0
HOA$0
Management-$93
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$15,252(100.0% ROI)
Projected value
$82,146
Return breakdown
Property appreciation+$5,865
Loan principal paid down+$2,186
Rental cash flow+$7,200
5-year hold
+$25,923(169.9% ROI)
Projected value
$86,305
Return breakdown
Property appreciation+$10,024
Loan principal paid down+$3,899
Rental cash flow+$12,000
10-year hold
+$54,656(358.3% ROI)
Projected value
$97,646
Return breakdown
Property appreciation+$21,365
Loan principal paid down+$9,290
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 74650 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 74650 (Ralston, OK) is $930 a month. That is down 2.1% from $950 in FY 2026. Ralston is in the Pawnee County, OK HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 12 ZIP codes in Pawnee County, 74650 has the 9th-highest two-bedroom rent (county range $920–$1,250). The median county two-bedroom FMR in Oklahoma is $916, so ZIP 74650 is 2% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 74650
BedroomsFY 2027Change90–110% range
Studio$710−1.4%$639–$781
1BR$750−2.6%$675–$825
2BR$930−2.1%$837–$1,023
3BR$1,200−2.4%$1,080–$1,320
4BR$1,460−3.3%$1,314–$1,606

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 74650
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$710$750$930$1,200$1,460
FY 2026$720$770$950$1,230$1,510
FY 2025$760$810$1,020$1,350$1,560
FY 2024$640$710$890$1,180$1,470
FY 2023$590$660$840$1,100$1,320

Two-bedroom rent in nearby Pawnee County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 74650
73061$1,250+34.4%
74020$970+4.3%
74032$940+1.1%
74034$1,120+20.4%
74038$1,150+23.7%
74044$1,050+12.9%
74045$970+4.3%
74058$920−1.1%
74081$1,230+32.3%
74085$920−1.1%
74644$920−1.1%
74650Current$930—

Questions about ZIP 74650 rents

How much will Section 8 pay for a two-bedroom in ZIP 74650?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $930, that basic range is $837 to $1,023 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 74650 in?

ZIP 74650 is in the Pawnee County, 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 74650 for FY 2027?

The two-bedroom FMR fell 2.1%, from $950 in FY 2026 to $930 in FY 2027. Since FY 2023 it has risen 10.7%.

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