85541
ZIPSAFMR
Gila County, AZ
BRFMR
Eff. Rent
0 BR$1,250$1,380
1 BR$1,260$1,390
2 BR$1,650$1,820
3 BR$2,090$2,300
4 BR$2,420$2,660
5 BR$2,783
6 BR$3,200
7 BR$3,681
8 BR$4,233

Purchase Price Calculator

Maximum purchase price
$208,535

Cost breakdown

+Likely effective rent$1,820
HUD FMR$1,650
Market rent$1,910
Est. payment standard (110%)Used$1,820
Estimated payment standard is $1,820 (110% of FMR).
-Principal and interest-$1,054
Loan amount$166,828
Down payment$41,707
Rate6.50%
Term30 years
-Operating costs-$566
Property taxes-$209
Insurance-$175
Utilities$0
HOA$0
Management-$182
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,211(70.0% ROI)
Projected value
$224,569
Current value$208,535
Return breakdown
Property appreciation+$16,034
Loan principal paid down+$5,977
Rental cash flow+$7,200
5-year hold
+$50,062(120.0% ROI)
Projected value
$235,938
Current value$208,535
Return breakdown
Property appreciation+$27,403
Loan principal paid down+$10,659
Rental cash flow+$12,000
10-year hold
+$107,805(258.5% ROI)
Projected value
$266,942
Current value$208,535
Return breakdown
Property appreciation+$58,407
Loan principal paid down+$25,398
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
0.81ratio
FMR$1,250
Market$1,540
vs market-$290

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

90% standard$1,125 / 0.73 ratio110% standard$1,375 / 0.89 ratio
0.81
1 BR
1 BR
0.75ratio
FMR$1,260
Market$1,680
vs market-$420

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

90% standard$1,134 / 0.68 ratio110% standard$1,386 / 0.83 ratio
0.75
2 BR
2 BR
0.86ratio
FMR$1,650
Market$1,910
vs market-$260

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

90% standard$1,485 / 0.78 ratio110% standard$1,815 / 0.95 ratio
0.86
3 BR
3 BR
0.82ratio
FMR$2,090
Market$2,550
vs market-$460

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

90% standard$1,881 / 0.74 ratio110% standard$2,299 / 0.90 ratio
0.82
4 BR
4 BR
0.86ratio
FMR$2,420
Market$2,820
vs market-$400

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

90% standard$2,178 / 0.77 ratio110% standard$2,662 / 0.94 ratio
0.86
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom 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 85541 (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.

85541 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 85541 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,650 and the 4 bedroom fair market rent is $2,420.

Use this page for searches like 85541 FMR, 85541 fair market rent, and 85541 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 85541
Bedroom sizeHUD FMR
Studio$1,250
1 bedroom$1,260
2 bedroom$1,650
3 bedroom$2,090
4 bedroom$2,420