80045
ZIPSAFMR
Adams County, CO
BRFMR
Eff. Rent
0 BR$1,840$1,270
1 BR$1,960$1,510
2 BR$2,340$2,240
3 BR$3,060$2,450
4 BR$3,420$2,790
5 BR$3,933
6 BR$4,523
7 BR$5,201
8 BR$5,982

Purchase Price Calculator

Maximum purchase price
$270,947

Cost breakdown

+Likely effective rent$2,240
HUD FMR$2,340
Market rentUsed$2,240
Est. payment standard (97%)$2,280
Market rent is below the inferred standard ($2,280, 97% of FMR).
-Principal and interest-$1,370
Loan amount$216,757
Down payment$54,189
Rate6.50%
Term30 years
-Operating costs-$670
Property taxes-$271
Insurance-$175
Utilities$0
HOA$0
Management-$224
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$35,799(66.1% ROI)
Projected value
$291,780
Current value$270,947
Return breakdown
Property appreciation+$20,833
Loan principal paid down+$7,766
Rental cash flow+$7,200
5-year hold
+$61,453(113.4% ROI)
Projected value
$306,551
Current value$270,947
Return breakdown
Property appreciation+$35,605
Loan principal paid down+$13,849
Rental cash flow+$12,000
10-year hold
+$132,887(245.2% ROI)
Projected value
$346,835
Current value$270,947
Return breakdown
Property appreciation+$75,888
Loan principal paid down+$32,999
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
1.45ratio
FMR$1,840
Market$1,270
vs market+$570

FMR is above market; underwrite to market rent.

90% standard$1,656 / 1.30 ratio110% standard$2,024 / 1.59 ratio
1.45
1 BR
1 BR
1.30ratio
FMR$1,960
Market$1,510
vs market+$450

FMR is above market; underwrite to market rent.

90% standard$1,764 / 1.17 ratio110% standard$2,156 / 1.43 ratio
1.30
2 BR
2 BR
1.04ratio
FMR$2,340
Market$2,240
vs market+$100

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

90% standard$2,106 / 0.94 ratio110% standard$2,574 / 1.15 ratio
1.04
3 BR
3 BR
1.25ratio
FMR$3,060
Market$2,450
vs market+$610

FMR is above market; underwrite to market rent.

90% standard$2,754 / 1.12 ratio110% standard$3,366 / 1.37 ratio
1.25
4 BR
4 BR
1.23ratio
FMR$3,420
Market$2,790
vs market+$630

FMR is above market; underwrite to market rent.

90% standard$3,078 / 1.10 ratio110% standard$3,762 / 1.35 ratio
1.23
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 80045 (CO) 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.

80045 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 80045 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,340 and the 4 bedroom fair market rent is $3,420.

Use this page for searches like 80045 FMR, 80045 fair market rent, and 80045 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 80045
Bedroom sizeHUD FMR
Studio$1,840
1 bedroom$1,960
2 bedroom$2,340
3 bedroom$3,060
4 bedroom$3,420