85032
ZIPSAFMR
Maricopa County, AZ
BRFMR
Eff. Rent
0 BR$1,390$990
1 BR$1,510$1,310
2 BR$1,750$1,860
3 BR$2,330$2,280
4 BR$2,590$2,850
5 BR$2,978
6 BR$3,425
7 BR$3,939
8 BR$4,530

Purchase Price Calculator

Maximum purchase price
$214,479

Cost breakdown

+Likely effective rent$1,860
HUD FMR$1,750
Market rent$1,920
Est. payment standard (106%)Used$1,860
Estimated payment standard is $1,860 (106% of FMR).
-Principal and interest-$1,085
Loan amount$171,583
Down payment$42,896
Rate6.50%
Term30 years
-Operating costs-$575
Property taxes-$214
Insurance-$175
Utilities$0
HOA$0
Management-$186
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,839(69.6% ROI)
Projected value
$230,970
Current value$214,479
Return breakdown
Property appreciation+$16,491
Loan principal paid down+$6,147
Rental cash flow+$7,200
5-year hold
+$51,147(119.2% ROI)
Projected value
$242,663
Current value$214,479
Return breakdown
Property appreciation+$28,184
Loan principal paid down+$10,962
Rental cash flow+$12,000
10-year hold
+$110,194(256.9% ROI)
Projected value
$274,551
Current value$214,479
Return breakdown
Property appreciation+$60,072
Loan principal paid down+$26,122
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
1.40ratio
FMR$1,390
Market$990
vs market+$400

FMR is above market; underwrite to market rent.

90% standard$1,251 / 1.26 ratio110% standard$1,529 / 1.54 ratio
1.40
1 BR
1 BR
1.15ratio
FMR$1,510
Market$1,310
vs market+$200

FMR is above market; underwrite to market rent.

90% standard$1,359 / 1.04 ratio110% standard$1,661 / 1.27 ratio
1.15
2 BR
2 BR
0.91ratio
FMR$1,750
Market$1,920
vs market-$170

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

90% standard$1,575 / 0.82 ratio110% standard$1,925 / 1.00 ratio
0.91
3 BR
3 BR
1.02ratio
FMR$2,330
Market$2,280
vs market+$50

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

90% standard$2,097 / 0.92 ratio110% standard$2,563 / 1.12 ratio
1.02
4 BR
4 BR
0.83ratio
FMR$2,590
Market$3,130
vs market-$540

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

90% standard$2,331 / 0.74 ratio110% standard$2,849 / 0.91 ratio
0.83
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 85032 (AZ) 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.

85032 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 85032 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,750 and the 4 bedroom fair market rent is $2,590.

Use this page for searches like 85032 FMR, 85032 fair market rent, and 85032 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 85032
Bedroom sizeHUD FMR
Studio$1,390
1 bedroom$1,510
2 bedroom$1,750
3 bedroom$2,330
4 bedroom$2,590