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85639

ZIPSAFMR
Pima County, AZ
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$890$890
1 BR$990$990
2 BR$1,270$1,270
3 BR$1,770$1,770
4 BR$2,000$2,000
5 BR$2,300Not available
6 BR$2,645Not available
7 BR$3,042Not available
8 BR$3,498Not available

Purchase Price Calculator

Maximum purchase price
$126,805

Cost breakdown

+Likely effective rent$1,270
HUD FMRUsed$1,270
Market rentN/A
Est. payment standardN/A
-Principal and interest-$641
Loan amount$101,444
Down payment$25,361
Rate6.50%
Term30 years
-Operating costs-$429
Property taxes-$127
Insurance-$175
Utilities$0
HOA$0
Management-$127
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,585(81.2% ROI)
Projected value
$136,555
Return breakdown
Property appreciation+$9,750
Loan principal paid down+$3,634
Rental cash flow+$7,200
5-year hold
+$35,144(138.6% ROI)
Projected value
$143,468
Return breakdown
Property appreciation+$16,663
Loan principal paid down+$6,481
Rental cash flow+$12,000
10-year hold
+$74,960(295.6% ROI)
Projected value
$162,321
Return breakdown
Property appreciation+$35,516
Loan principal paid down+$15,444
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
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Mortgage rate
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ZIP 85639 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 85639 (Topawa, AZ) is $1,270 a month. That is up 3.3% from $1,230 in FY 2026. Topawa is in the Tucson, AZ MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 66 ZIP codes in Pima County, 85639 has the 58th-highest two-bedroom rent (county range $1,100–$2,110). The median county two-bedroom FMR in Arizona is $1,244, so ZIP 85639 is 2% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 85639
BedroomsFY 2027Change90–110% range
Studio$890+4.7%$801–$979
1BR$990+4.2%$891–$1,089
2BR$1,270+3.3%$1,143–$1,397
3BR$1,770+2.9%$1,593–$1,947
4BR$2,000+1.5%$1,800–$2,200

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 85639
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$890$990$1,270$1,770$2,000
FY 2026$850$950$1,230$1,720$1,970
FY 2025$820$920$1,210$1,710$1,990
FY 2024$910$1,020$1,340$1,890$2,210
FY 2023$790$900$1,180$1,680$1,960

Two-bedroom rent in nearby Pima County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 85639
85619$1,440+13.4%
85622$1,620+27.6%
85629$2,070+63.0%
85633$1,210−4.7%
85634$1,380+8.7%
85639Current$1,270—
85641$2,110+66.1%
85645$1,490+17.3%
85652$1,410+11.0%
85653$1,530+20.5%
85654$1,460+15.0%
85658$2,100+65.4%

Questions about ZIP 85639 rents

How much will Section 8 pay for a two-bedroom in ZIP 85639?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,270, that basic range is $1,143 to $1,397 a month. 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 85639 in?

ZIP 85639 is in the Tucson, AZ MSA. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 85639 for FY 2027?

The two-bedroom FMR rose 3.3%, from $1,230 in FY 2026 to $1,270 in FY 2027. Since FY 2023 it has risen 7.6%.

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