85128
ZIPSAFMR
Pinal County, AZ
BRFMR
Eff. Rent
0 BR$1,190$1,180
1 BR$1,300$1,160
2 BR$1,530$1,400
3 BR$2,070$1,580
4 BR$2,350$1,770
5 BR$2,703
6 BR$3,108
7 BR$3,574
8 BR$4,110

Purchase Price Calculator

Maximum purchase price
$146,123

Cost breakdown

+Likely effective rent$1,400
HUD FMR$1,530
Market rentUsed$1,400
Est. payment standard (94%)$1,450
Market rent is below the inferred standard ($1,450, 94% of FMR).
-Principal and interest-$739
Loan amount$116,898
Down payment$29,225
Rate6.50%
Term30 years
-Operating costs-$461
Property taxes-$146
Insurance-$175
Utilities$0
HOA$0
Management-$140
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,624(77.4% ROI)
Projected value
$157,358
Current value$146,123
Return breakdown
Property appreciation+$11,235
Loan principal paid down+$4,188
Rental cash flow+$7,200
5-year hold
+$38,670(132.3% ROI)
Projected value
$165,325
Current value$146,123
Return breakdown
Property appreciation+$19,202
Loan principal paid down+$7,469
Rental cash flow+$12,000
10-year hold
+$82,723(283.1% ROI)
Projected value
$187,050
Current value$146,123
Return breakdown
Property appreciation+$40,927
Loan principal paid down+$17,796
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
1.01ratio
FMR$1,190
Market$1,180
vs market+$10

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

90% standard$1,071 / 0.91 ratio110% standard$1,309 / 1.11 ratio
1.01
1 BR
1 BR
1.12ratio
FMR$1,300
Market$1,160
vs market+$140

FMR is above market; underwrite to market rent.

90% standard$1,170 / 1.01 ratio110% standard$1,430 / 1.23 ratio
1.12
2 BR
2 BR
1.09ratio
FMR$1,530
Market$1,400
vs market+$130

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

90% standard$1,377 / 0.98 ratio110% standard$1,683 / 1.20 ratio
1.09
3 BR
3 BR
1.31ratio
FMR$2,070
Market$1,580
vs market+$490

FMR is above market; underwrite to market rent.

90% standard$1,863 / 1.18 ratio110% standard$2,277 / 1.44 ratio
1.31
4 BR
4 BR
1.33ratio
FMR$2,350
Market$1,770
vs market+$580

FMR is above market; underwrite to market rent.

90% standard$2,115 / 1.19 ratio110% standard$2,585 / 1.46 ratio
1.33
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 85128 (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.

85128 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 85128 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,530 and the 4 bedroom fair market rent is $2,350.

Use this page for searches like 85128 FMR, 85128 fair market rent, and 85128 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 85128
Bedroom sizeHUD FMR
Studio$1,190
1 bedroom$1,300
2 bedroom$1,530
3 bedroom$2,070
4 bedroom$2,350