87544
ZIPSAFMR
Los Alamos County, NM
BRFMR
Eff. Rent
0 BR$1,190$960
1 BR$1,320$1,450
2 BR$1,730$1,900
3 BR$2,070$2,280
4 BR$2,830$3,110
5 BR$3,254
6 BR$3,743
7 BR$4,304
8 BR$4,950

Purchase Price Calculator

Maximum purchase price
$220,423

Cost breakdown

+Likely effective rent$1,900
HUD FMR$1,730
Market rent$2,550
Est. payment standard (110%)Used$1,900
Estimated payment standard is $1,900 (110% of FMR).
-Principal and interest-$1,115
Loan amount$176,338
Down payment$44,085
Rate6.50%
Term30 years
-Operating costs-$585
Property taxes-$220
Insurance-$175
Utilities$0
HOA$0
Management-$190
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,466(69.1% ROI)
Projected value
$237,371
Current value$220,423
Return breakdown
Property appreciation+$16,948
Loan principal paid down+$6,318
Rental cash flow+$7,200
5-year hold
+$52,232(118.5% ROI)
Projected value
$249,388
Current value$220,423
Return breakdown
Property appreciation+$28,965
Loan principal paid down+$11,266
Rental cash flow+$12,000
10-year hold
+$112,583(255.4% ROI)
Projected value
$282,160
Current value$220,423
Return breakdown
Property appreciation+$61,737
Loan principal paid down+$26,846
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$1,190
Market$960
vs market+$230

FMR is above market; underwrite to market rent.

90% standard$1,071 / 1.12 ratio110% standard$1,309 / 1.36 ratio
1.24
1 BR
1 BR
0.61ratio
FMR$1,320
Market$2,160
vs market-$840

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

90% standard$1,188 / 0.55 ratio110% standard$1,452 / 0.67 ratio
0.61
2 BR
2 BR
0.68ratio
FMR$1,730
Market$2,550
vs market-$820

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

90% standard$1,557 / 0.61 ratio110% standard$1,903 / 0.75 ratio
0.68
3 BR
3 BR
0.75ratio
FMR$2,070
Market$2,750
vs market-$680

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

90% standard$1,863 / 0.68 ratio110% standard$2,277 / 0.83 ratio
0.75
4 BR
4 BR
0.86ratio
FMR$2,830
Market$3,280
vs market-$450

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

90% standard$2,547 / 0.78 ratio110% standard$3,113 / 0.95 ratio
0.86
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 87544 (NM) 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.

87544 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 87544 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,730 and the 4 bedroom fair market rent is $2,830.

Use this page for searches like 87544 FMR, 87544 fair market rent, and 87544 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 87544
Bedroom sizeHUD FMR
Studio$1,190
1 bedroom$1,320
2 bedroom$1,730
3 bedroom$2,070
4 bedroom$2,830