74820
ZIPSAFMR
Johnston County, OK
BRFMR
Eff. Rent
0 BR$730$650
1 BR$790$650
2 BR$1,040$990
3 BR$1,290$1,310
4 BR$1,400$1,480
5 BR$1,610
6 BR$1,851
7 BR$2,129
8 BR$2,449

Purchase Price Calculator

Maximum purchase price
$85,197

Cost breakdown

+Likely effective rent$990
HUD FMR$1,040
Market rentUsed$990
Est. payment standard (97%)$1,010
Market rent is below the inferred standard ($1,010, 97% of FMR).
-Principal and interest-$431
Loan amount$68,158
Down payment$17,039
Rate6.50%
Term30 years
-Operating costs-$359
Property taxes-$85
Insurance-$175
Utilities$0
HOA$0
Management-$99
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,193(95.0% ROI)
Projected value
$91,748
Current value$85,197
Return breakdown
Property appreciation+$6,551
Loan principal paid down+$2,442
Rental cash flow+$7,200
5-year hold
+$27,550(161.7% ROI)
Projected value
$96,393
Current value$85,197
Return breakdown
Property appreciation+$11,196
Loan principal paid down+$4,355
Rental cash flow+$12,000
10-year hold
+$58,239(341.8% ROI)
Projected value
$109,059
Current value$85,197
Return breakdown
Property appreciation+$23,862
Loan principal paid down+$10,376
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
1.12ratio
FMR$730
Market$650
vs market+$80

FMR is above market; underwrite to market rent.

90% standard$657 / 1.01 ratio110% standard$803 / 1.24 ratio
1.12
1 BR
1 BR
1.22ratio
FMR$790
Market$650
vs market+$140

FMR is above market; underwrite to market rent.

90% standard$711 / 1.09 ratio110% standard$869 / 1.34 ratio
1.22
2 BR
2 BR
1.05ratio
FMR$1,040
Market$990
vs market+$50

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

90% standard$936 / 0.95 ratio110% standard$1,144 / 1.16 ratio
1.05
3 BR
3 BR
0.98ratio
FMR$1,290
Market$1,320
vs market-$30

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

90% standard$1,161 / 0.88 ratio110% standard$1,419 / 1.08 ratio
0.98
4 BR
4 BR
0.92ratio
FMR$1,400
Market$1,530
vs market-$130

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

90% standard$1,260 / 0.82 ratio110% standard$1,540 / 1.01 ratio
0.92
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit sizes.

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 74820 (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.

74820 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 74820 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,040 and the 4 bedroom fair market rent is $1,400.

Use this page for searches like 74820 FMR, 74820 fair market rent, and 74820 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 74820
Bedroom sizeHUD FMR
Studio$730
1 bedroom$790
2 bedroom$1,040
3 bedroom$1,290
4 bedroom$1,400