85209
ZIPSAFMR
Maricopa County, AZ
BRFMR
Eff. Rent
0 BR$1,640$1,700
1 BR$1,780$1,670
2 BR$2,070$1,940
3 BR$2,760$2,050
4 BR$3,060$2,430
5 BR$3,519
6 BR$4,047
7 BR$4,654
8 BR$5,352

Purchase Price Calculator

Maximum purchase price
$226,367

Cost breakdown

+Likely effective rent$1,940
HUD FMR$2,070
Market rentUsed$1,940
Est. payment standard (96%)$1,990
Market rent is below the inferred standard ($1,990, 96% of FMR).
-Principal and interest-$1,145
Loan amount$181,093
Down payment$45,273
Rate6.50%
Term30 years
-Operating costs-$595
Property taxes-$226
Insurance-$175
Utilities$0
HOA$0
Management-$194
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$31,094(68.7% ROI)
Projected value
$243,772
Current value$226,367
Return breakdown
Property appreciation+$17,405
Loan principal paid down+$6,488
Rental cash flow+$7,200
5-year hold
+$53,317(117.8% ROI)
Projected value
$256,113
Current value$226,367
Return breakdown
Property appreciation+$29,746
Loan principal paid down+$11,570
Rental cash flow+$12,000
10-year hold
+$114,971(253.9% ROI)
Projected value
$289,769
Current value$226,367
Return breakdown
Property appreciation+$63,402
Loan principal paid down+$27,569
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
0.95ratio
FMR$1,640
Market$1,730
vs market-$90

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

90% standard$1,476 / 0.85 ratio110% standard$1,804 / 1.04 ratio
0.95
1 BR
1 BR
1.07ratio
FMR$1,780
Market$1,670
vs market+$110

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

90% standard$1,602 / 0.96 ratio110% standard$1,958 / 1.17 ratio
1.07
2 BR
2 BR
1.07ratio
FMR$2,070
Market$1,940
vs market+$130

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

90% standard$1,863 / 0.96 ratio110% standard$2,277 / 1.17 ratio
1.07
3 BR
3 BR
1.35ratio
FMR$2,760
Market$2,050
vs market+$710

FMR is above market; underwrite to market rent.

90% standard$2,484 / 1.21 ratio110% standard$3,036 / 1.48 ratio
1.35
4 BR
4 BR
1.26ratio
FMR$3,060
Market$2,430
vs market+$630

FMR is above market; underwrite to market rent.

90% standard$2,754 / 1.13 ratio110% standard$3,366 / 1.39 ratio
1.26
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 85209 (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.

85209 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 85209 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,070 and the 4 bedroom fair market rent is $3,060.

Use this page for searches like 85209 FMR, 85209 fair market rent, and 85209 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 85209
Bedroom sizeHUD FMR
Studio$1,640
1 bedroom$1,780
2 bedroom$2,070
3 bedroom$2,760
4 bedroom$3,060