85305
ZIPSAFMR
Maricopa County, AZ
BRFMR
Eff. Rent
0 BR$1,690$1,490
1 BR$1,830$1,680
2 BR$2,130$2,210
3 BR$2,840$2,150
4 BR$3,150$2,390
5 BR$3,622
6 BR$4,166
7 BR$4,791
8 BR$5,509

Purchase Price Calculator

Maximum purchase price
$266,489

Cost breakdown

+Likely effective rent$2,210
HUD FMR$2,130
Market rent$2,250
Est. payment standard (104%)Used$2,210
Estimated payment standard is $2,210 (104% of FMR).
-Principal and interest-$1,348
Loan amount$213,191
Down payment$53,298
Rate6.50%
Term30 years
-Operating costs-$662
Property taxes-$266
Insurance-$175
Utilities$0
HOA$0
Management-$221
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$35,329(66.3% ROI)
Projected value
$286,979
Current value$266,489
Return breakdown
Property appreciation+$20,490
Loan principal paid down+$7,638
Rental cash flow+$7,200
5-year hold
+$60,640(113.8% ROI)
Projected value
$301,507
Current value$266,489
Return breakdown
Property appreciation+$35,019
Loan principal paid down+$13,621
Rental cash flow+$12,000
10-year hold
+$131,095(246.0% ROI)
Projected value
$341,128
Current value$266,489
Return breakdown
Property appreciation+$74,639
Loan principal paid down+$32,456
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
1.13ratio
FMR$1,690
Market$1,490
vs market+$200

FMR is above market; underwrite to market rent.

90% standard$1,521 / 1.02 ratio110% standard$1,859 / 1.25 ratio
1.13
1 BR
1 BR
1.09ratio
FMR$1,830
Market$1,680
vs market+$150

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

90% standard$1,647 / 0.98 ratio110% standard$2,013 / 1.20 ratio
1.09
2 BR
2 BR
0.95ratio
FMR$2,130
Market$2,250
vs market-$120

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

90% standard$1,917 / 0.85 ratio110% standard$2,343 / 1.04 ratio
0.95
3 BR
3 BR
1.32ratio
FMR$2,840
Market$2,150
vs market+$690

FMR is above market; underwrite to market rent.

90% standard$2,556 / 1.19 ratio110% standard$3,124 / 1.45 ratio
1.32
4 BR
4 BR
1.32ratio
FMR$3,150
Market$2,390
vs market+$760

FMR is above market; underwrite to market rent.

90% standard$2,835 / 1.19 ratio110% standard$3,465 / 1.45 ratio
1.32
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 85305 (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.

85305 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 85305 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,130 and the 4 bedroom fair market rent is $3,150.

Use this page for searches like 85305 FMR, 85305 fair market rent, and 85305 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 85305
Bedroom sizeHUD FMR
Studio$1,690
1 bedroom$1,830
2 bedroom$2,130
3 bedroom$2,840
4 bedroom$3,150