81656
ZIPSAFMR
Pitkin County, CO
BRFMR
Eff. Rent
0 BR$1,630$1,790
1 BR$2,050$2,260
2 BR$2,370$2,610
3 BR$2,970$3,270
4 BR$3,700$4,070
5 BR$4,255
6 BR$4,893
7 BR$5,627
8 BR$6,471

Purchase Price Calculator

Maximum purchase price
$325,928

Cost breakdown

+Likely effective rent$2,610
HUD FMR$2,370
Market rent$9,600
Est. payment standard (110%)Used$2,610
Estimated payment standard is $2,610 (110% of FMR).
-Principal and interest-$1,648
Loan amount$260,743
Down payment$65,186
Rate6.50%
Term30 years
-Operating costs-$762
Property taxes-$326
Insurance-$175
Utilities$0
HOA$0
Management-$261
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$41,603(63.8% ROI)
Projected value
$350,989
Current value$325,928
Return breakdown
Property appreciation+$25,061
Loan principal paid down+$9,342
Rental cash flow+$7,200
5-year hold
+$71,489(109.7% ROI)
Projected value
$368,758
Current value$325,928
Return breakdown
Property appreciation+$42,830
Loan principal paid down+$16,659
Rental cash flow+$12,000
10-year hold
+$154,983(237.8% ROI)
Projected value
$417,216
Current value$325,928
Return breakdown
Property appreciation+$91,288
Loan principal paid down+$39,695
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
0.22ratio
FMR$1,630
Market$7,500
vs market-$5,870

FMR is below market; voucher rent may lag private rents.

0.22
1 BR
1 BR
0.23ratio
FMR$2,050
Market$9,000
vs market-$6,950

FMR is below market; voucher rent may lag private rents.

0.23
2 BR
2 BR
0.25ratio
FMR$2,370
Market$9,600
vs market-$7,230

FMR is below market; voucher rent may lag private rents.

0.25
3 BR
3 BR
0.25ratio
FMR$2,970
Market$11,680
vs market-$8,710

FMR is below market; voucher rent may lag private rents.

0.25
4 BR
4 BR
0.30ratio
FMR$3,700
Market$12,530
vs market-$8,830

FMR is below market; voucher rent may lag private rents.

0.30
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom 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 81656 (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.

81656 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 81656 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,370 and the 4 bedroom fair market rent is $3,700.

Use this page for searches like 81656 FMR, 81656 fair market rent, and 81656 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 81656
Bedroom sizeHUD FMR
Studio$1,630
1 bedroom$2,050
2 bedroom$2,370
3 bedroom$2,970
4 bedroom$3,700