97044
ZIPSAFMR
Hood River County, OR
BRFMR
Eff. Rent
0 BR$1,310$1,440
1 BR$1,430$1,570
2 BR$1,880$2,070
3 BR$2,610$2,590
4 BR$3,150$2,890
5 BR$3,622
6 BR$4,166
7 BR$4,791
8 BR$5,509

Purchase Price Calculator

Maximum purchase price
$245,685

Cost breakdown

+Likely effective rent$2,070
HUD FMR$1,880
Market rent$2,170
Est. payment standard (110%)Used$2,070
Estimated payment standard is $2,070 (110% of FMR).
-Principal and interest-$1,242
Loan amount$196,548
Down payment$49,137
Rate6.50%
Term30 years
-Operating costs-$628
Property taxes-$246
Insurance-$175
Utilities$0
HOA$0
Management-$207
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$33,133(67.4% ROI)
Projected value
$264,576
Current value$245,685
Return breakdown
Property appreciation+$18,891
Loan principal paid down+$7,042
Rental cash flow+$7,200
5-year hold
+$56,842(115.7% ROI)
Projected value
$277,970
Current value$245,685
Return breakdown
Property appreciation+$32,285
Loan principal paid down+$12,557
Rental cash flow+$12,000
10-year hold
+$122,735(249.8% ROI)
Projected value
$314,497
Current value$245,685
Return breakdown
Property appreciation+$68,812
Loan principal paid down+$29,922
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
0.70ratio
FMR$1,310
Market$1,860
vs market-$550

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

90% standard$1,179 / 0.63 ratio110% standard$1,441 / 0.77 ratio
0.70
1 BR
1 BR
0.79ratio
FMR$1,430
Market$1,820
vs market-$390

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

90% standard$1,287 / 0.71 ratio110% standard$1,573 / 0.86 ratio
0.79
2 BR
2 BR
0.87ratio
FMR$1,880
Market$2,170
vs market-$290

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

90% standard$1,692 / 0.78 ratio110% standard$2,068 / 0.95 ratio
0.87
3 BR
3 BR
1.01ratio
FMR$2,610
Market$2,590
vs market+$20

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

90% standard$2,349 / 0.91 ratio110% standard$2,871 / 1.11 ratio
1.01
4 BR
4 BR
1.09ratio
FMR$3,150
Market$2,890
vs market+$260

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

90% standard$2,835 / 0.98 ratio110% standard$3,465 / 1.20 ratio
1.09
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit 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 97044 (OR) 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.

97044 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 97044 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,880 and the 4 bedroom fair market rent is $3,150.

Use this page for searches like 97044 FMR, 97044 fair market rent, and 97044 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 97044
Bedroom sizeHUD FMR
Studio$1,310
1 bedroom$1,430
2 bedroom$1,880
3 bedroom$2,610
4 bedroom$3,150