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Garfield County/Rifle/81650

81650

ZIPSAFMR
Garfield County, CO
Zillow

ZIP Investment Score

61Below average

095130300
BRFMR
Eff. Rent
0 BR$1,100$1,210
1 BR$1,110$1,220
2 BR$1,450$1,600
3 BR$2,010$2,210
4 BR$2,160$2,380
5 BR$2,484Not available
6 BR$2,857Not available
7 BR$3,285Not available
8 BR$3,778Not available

Purchase Price Calculator

Maximum purchase price
$175,843

Cost breakdown

+Likely effective rent$1,600
HUD FMR$1,450
Market rent$2,000
Est. payment standard (110%)Used$1,600
-Principal and interest-$889
Loan amount$140,674
Down payment$35,169
Rate6.50%
Term30 years
-Operating costs-$511
Property taxes-$176
Insurance-$175
Utilities$0
HOA$0
Management-$160
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,761(73.2% ROI)
Projected value
$189,364
Return breakdown
Property appreciation+$13,521
Loan principal paid down+$5,040
Rental cash flow+$7,200
5-year hold
+$44,095(125.4% ROI)
Projected value
$198,950
Return breakdown
Property appreciation+$23,107
Loan principal paid down+$8,988
Rental cash flow+$12,000
10-year hold
+$94,667(269.2% ROI)
Projected value
$225,094
Return breakdown
Property appreciation+$49,251
Loan principal paid down+$21,416
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.61
1 BR
0.69
2 BR
0.72
3 BR
0.79
4 BR
0.78
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 81650 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 81650 (Rifle, CO) is $1,450 a month. That is up 0.7% from $1,440 in FY 2026. Rifle is in the Garfield County, CO 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 $1,781. Among 7 ZIP codes in Garfield County, 81650 is tied for the 6th-highest two-bedroom rent (county range $1,450–$2,550). The median county two-bedroom FMR in Colorado is $1,375, so ZIP 81650 is 5% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 81650
BedroomsFY 2027Change90–110% range
Studio$1,100+0.9%$990–$1,210
1BR$1,110+0.9%$999–$1,221
2BR$1,450+0.7%$1,305–$1,595
3BR$2,010−0.5%$1,809–$2,211
4BR$2,160−2.7%$1,944–$2,376

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 81650
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,100$1,110$1,450$2,010$2,160
FY 2026$1,090$1,100$1,440$2,020$2,220
FY 2025$1,050$1,060$1,390$1,950$2,200
FY 2024area FMR$1,162$1,170$1,537$2,166$2,438
FY 2023area FMR$1,094$1,101$1,357$1,861$2,275

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Garfield County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 81650
81601$1,970+35.9%
81602$1,780+22.8%
81623$2,550+75.9%
81635$1,4500.0%
81647$1,690+16.6%
81650Current$1,450—
81652$2,090+44.1%

Questions about ZIP 81650 rents

How much will Section 8 pay for a two-bedroom in ZIP 81650?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,781, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,603 to $1,959 a month; under the ZIP-level Small Area FMR of $1,450 it would be $1,305 to $1,595. 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 81650 in?

ZIP 81650 is in the Garfield County, CO non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,781.

How much did fair market rent change in ZIP 81650 for FY 2027?

The two-bedroom FMR rose 0.7%, from $1,440 in FY 2026 to $1,450 in FY 2027. Since FY 2025 it has risen 4.3%.

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 rentRifle, CO fair market rentCO statewide rentsWhat is SAFMR?Data sources