85323
ZIPSAFMR
Maricopa County, AZ
BRFMR
Eff. Rent
0 BR$1,500$1,210
1 BR$1,630$1,340
2 BR$1,890$1,770
3 BR$2,520$1,900
4 BR$2,800$2,120
5 BR$3,220
6 BR$3,703
7 BR$4,258
8 BR$4,897

Purchase Price Calculator

Maximum purchase price
$201,105

Cost breakdown

+Likely effective rent$1,770
HUD FMR$1,890
Market rentUsed$1,770
Est. payment standard (96%)$1,810
Market rent is below the inferred standard ($1,810, 96% of FMR).
-Principal and interest-$1,017
Loan amount$160,884
Down payment$40,221
Rate6.50%
Term30 years
-Operating costs-$553
Property taxes-$201
Insurance-$175
Utilities$0
HOA$0
Management-$177
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,427(70.7% ROI)
Projected value
$216,568
Current value$201,105
Return breakdown
Property appreciation+$15,463
Loan principal paid down+$5,764
Rental cash flow+$7,200
5-year hold
+$48,706(121.1% ROI)
Projected value
$227,532
Current value$201,105
Return breakdown
Property appreciation+$26,427
Loan principal paid down+$10,279
Rental cash flow+$12,000
10-year hold
+$104,819(260.6% ROI)
Projected value
$257,431
Current value$201,105
Return breakdown
Property appreciation+$56,326
Loan principal paid down+$24,493
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
1.24ratio
FMR$1,500
Market$1,210
vs market+$290

FMR is above market; underwrite to market rent.

90% standard$1,350 / 1.12 ratio110% standard$1,650 / 1.36 ratio
1.24
1 BR
1 BR
1.22ratio
FMR$1,630
Market$1,340
vs market+$290

FMR is above market; underwrite to market rent.

90% standard$1,467 / 1.09 ratio110% standard$1,793 / 1.34 ratio
1.22
2 BR
2 BR
1.07ratio
FMR$1,890
Market$1,770
vs market+$120

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

90% standard$1,701 / 0.96 ratio110% standard$2,079 / 1.17 ratio
1.07
3 BR
3 BR
1.33ratio
FMR$2,520
Market$1,900
vs market+$620

FMR is above market; underwrite to market rent.

90% standard$2,268 / 1.19 ratio110% standard$2,772 / 1.46 ratio
1.33
4 BR
4 BR
1.32ratio
FMR$2,800
Market$2,120
vs market+$680

FMR is above market; underwrite to market rent.

90% standard$2,520 / 1.19 ratio110% standard$3,080 / 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 85323 (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.

85323 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 85323 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,890 and the 4 bedroom fair market rent is $2,800.

Use this page for searches like 85323 FMR, 85323 fair market rent, and 85323 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 85323
Bedroom sizeHUD FMR
Studio$1,500
1 bedroom$1,630
2 bedroom$1,890
3 bedroom$2,520
4 bedroom$2,800