85366

ZIPSAFMR

Yuma County, AZ

ZIP Investment Score

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$950	$1,010	0.0%
1 BR	$950	$1,050	-0.3%
2 BR	$1,250	$1,340	-0.3%
3 BR	$1,720	$1,650	-0.6%
4 BR	$2,090	$2,090	-0.8%
5 BR	$2,404	Not available	-0.8%
6 BR	$2,764	Not available	-0.8%
7 BR	$3,179	Not available	-0.8%
8 BR	$3,655	Not available	-0.8%

Purchase Price Calculator

Maximum purchase price

$137,207

Cost breakdown

+Likely effective rent$1,340

HUD FMR$1,250

Market rent$1,390

Est. payment standard (107%)Used$1,340

-Principal and interest-$694

Loan amount$109,766

Down payment$27,441

Rate6.50%

Term30 years

-Operating costs-$446

Property taxes-$137

Insurance-$175

Utilities$0

HOA$0

Management-$134

=Target cash flow+$200

Calculation mode

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

Hold period projections

Annual appreciation rate

3-year hold

+$21,683(79.0% ROI)

Projected value

$147,757

Return breakdown

Property appreciation+$10,550

Loan principal paid down+$3,933

Rental cash flow+$7,200

5-year hold

+$37,043(135.0% ROI)

Projected value

$155,237

Return breakdown

Property appreciation+$18,030

Loan principal paid down+$7,013

Rental cash flow+$12,000

10-year hold

+$79,140(288.4% ROI)

Projected value

$175,637

Return breakdown

Property appreciation+$38,430

Loan principal paid down+$16,711

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

0.91ratio

FMR$950

Market$1,040

vs market-$90

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

0.91

1 BR

0.86ratio

FMR$950

Market$1,110

vs market-$160

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

0.86

2 BR

0.90ratio

FMR$1,250

Market$1,390

vs market-$140

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

0.90

3 BR

1.04ratio

FMR$1,720

Market$1,650

vs market+$70

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

1.04

4 BR

1.00ratio

FMR$2,090

Market$2,090

vs market+$0

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

1.00

0.700.800.901.001.101.201.30aligned range

Historical

FY 2023-2027

FMR: FY2027
Market rent: last ~365 days
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 85366 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 85366 (Yuma, AZ) is $1,250 a month. That is down 9.4% from $1,380 in FY 2026. Yuma is in the Yuma, AZ MSA. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $1,244. Among 11 ZIP codes in Yuma County, 85366 is tied for the 8th-highest two-bedroom rent (county range $1,250–$1,540).

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 85366
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$1,040	$950	−8.7%	$855–$1,045
1BR	$1,050	$950	−9.5%	$855–$1,045
2BR	$1,380	$1,250	−9.4%	$1,125–$1,375
3BR	$1,890	$1,720	−9.0%	$1,548–$1,892
4BR	$2,320	$2,090	−9.9%	$1,881–$2,299

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 85366
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$950	$950	$1,250	$1,720	$2,090
FY 2026	$1,040	$1,050	$1,380	$1,890	$2,320
FY 2025	$1,040	$1,050	$1,380	$1,880	$2,320
FY 2024	$950	$960	$1,260	$1,750	$2,140
FY 2023	$810	$810	$1,070	$1,510	$1,820

Two-bedroom rent in nearby Yuma County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 85366
85333	$1,380	+10.4%
85336	$1,250	0.0%
85347	$1,300	+4.0%
85349	$1,250	0.0%
85350	$1,260	+0.8%
85352	$1,250	0.0%
85356	$1,490	+19.2%
85364	$1,280	+2.4%
85365	$1,540	+23.2%
85366Current	$1,250	—
85367	$1,460	+16.8%

Questions about ZIP 85366 rents

How much will Section 8 pay for a two-bedroom in ZIP 85366?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,244, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,120 to $1,368 a month; under the ZIP-level Small Area FMR of $1,250 it would be $1,125 to $1,375. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 85366 in?

ZIP 85366 is in the Yuma, AZ MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,244.

How much did fair market rent change in ZIP 85366 for FY 2027?

The two-bedroom FMR fell 9.4%, from $1,380 in FY 2026 to $1,250 in FY 2027. Since FY 2023 it has risen 16.8%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rent Yuma, AZ fair market rent AZ statewide rents What is SAFMR?Data sources