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Navajo County/Taylor/85939

85939

ZIPSAFMR
Navajo County, AZ
Zillow

ZIP Investment Score

63Below average

095130300
BRFMR
Eff. Rent
0 BR$1,040$1,140
1 BR$1,130$1,240
2 BR$1,440$1,580
3 BR$1,790$1,950
4 BR$1,910$2,100
5 BR$2,197Not available
6 BR$2,526Not available
7 BR$2,905Not available
8 BR$3,341Not available

Purchase Price Calculator

Maximum purchase price
$172,871

Cost breakdown

+Likely effective rent$1,580
HUD FMR$1,440
Market rent$1,880
Est. payment standard (110%)Used$1,580
-Principal and interest-$874
Loan amount$138,297
Down payment$34,574
Rate6.50%
Term30 years
-Operating costs-$506
Property taxes-$173
Insurance-$175
Utilities$0
HOA$0
Management-$158
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,447(73.6% ROI)
Projected value
$186,163
Return breakdown
Property appreciation+$13,292
Loan principal paid down+$4,955
Rental cash flow+$7,200
5-year hold
+$43,552(126.0% ROI)
Projected value
$195,588
Return breakdown
Property appreciation+$22,717
Loan principal paid down+$8,836
Rental cash flow+$12,000
10-year hold
+$93,473(270.4% ROI)
Projected value
$221,289
Return breakdown
Property appreciation+$48,418
Loan principal paid down+$21,054
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.67
1 BR
0.75
2 BR
0.77
3 BR
0.88
4 BR
0.82
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 85939 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 85939 (Taylor, AZ) is $1,440 a month. That is down 10.0% from $1,600 in FY 2026. Taylor is in the Navajo County, AZ non-metropolitan FMR area. 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 county-wide two-bedroom FMR of $1,264. Among 26 ZIP codes in Navajo County, 85939 is tied for the 7th-highest two-bedroom rent (county range $1,180–$1,750). The median county two-bedroom FMR in Arizona is $1,244, so ZIP 85939 is 16% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 85939
BedroomsFY 2027Change90–110% range
Studio$1,040−9.6%$936–$1,144
1BR$1,130−9.6%$1,017–$1,243
2BR$1,440−10.0%$1,296–$1,584
3BR$1,790−9.6%$1,611–$1,969
4BR$1,910−9.9%$1,719–$2,101

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 85939
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,040$1,130$1,440$1,790$1,910
FY 2026$1,150$1,250$1,600$1,980$2,120
FY 2025$1,180$1,250$1,640$2,020$2,170
FY 2024area FMR$856$906$1,190$1,509$1,585
FY 2023area FMR$722$788$1,037$1,336$1,393

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Navajo County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 85939
85911$1,180−18.1%
85912$1,4400.0%
85923$1,260−12.5%
85926$1,180−18.1%
85928$1,730+20.1%
85929$1,390−3.5%
85933$1,180−18.1%
85934$1,260−12.5%
85935$1,420−1.4%
85937$1,750+21.5%
85939Current$1,440—
85942$1,260−12.5%

Questions about ZIP 85939 rents

How much will Section 8 pay for a two-bedroom in ZIP 85939?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,264, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,138 to $1,390 a month; under the ZIP-level Small Area FMR of $1,440 it would be $1,296 to $1,584. 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 85939 in?

ZIP 85939 is in the Navajo County, AZ non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,264.

How much did fair market rent change in ZIP 85939 for FY 2027?

The two-bedroom FMR fell 10.0%, from $1,600 in FY 2026 to $1,440 in FY 2027. Since FY 2025 it has fallen 12.2%.

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 rentTaylor, AZ fair market rentAZ statewide rentsWhat is SAFMR?Data sources