97103
ZIPSAFMR
Clatsop County, OR
BRFMR
Eff. Rent
0 BR$1,090$1,200
1 BR$1,140$1,250
2 BR$1,500$1,650
3 BR$2,050$2,260
4 BR$2,520$2,670
5 BR$2,898
6 BR$3,333
7 BR$3,833
8 BR$4,407

Purchase Price Calculator

Maximum purchase price
$183,273

Cost breakdown

+Likely effective rent$1,650
HUD FMR$1,500
Market rent$2,330
Est. payment standard (110%)Used$1,650
Estimated payment standard is $1,650 (110% of FMR).
-Principal and interest-$927
Loan amount$146,618
Down payment$36,655
Rate6.50%
Term30 years
-Operating costs-$523
Property taxes-$183
Insurance-$175
Utilities$0
HOA$0
Management-$165
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,545(72.4% ROI)
Projected value
$197,365
Current value$183,273
Return breakdown
Property appreciation+$14,092
Loan principal paid down+$5,253
Rental cash flow+$7,200
5-year hold
+$45,451(124.0% ROI)
Projected value
$207,356
Current value$183,273
Return breakdown
Property appreciation+$24,084
Loan principal paid down+$9,367
Rental cash flow+$12,000
10-year hold
+$97,653(266.4% ROI)
Projected value
$234,605
Current value$183,273
Return breakdown
Property appreciation+$51,332
Loan principal paid down+$22,321
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
0.73ratio
FMR$1,090
Market$1,490
vs market-$400

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

90% standard$981 / 0.66 ratio110% standard$1,199 / 0.80 ratio
0.73
1 BR
1 BR
0.67ratio
FMR$1,140
Market$1,700
vs market-$560

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

90% standard$1,026 / 0.60 ratio110% standard$1,254 / 0.74 ratio
0.67
2 BR
2 BR
0.64ratio
FMR$1,500
Market$2,330
vs market-$830

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

90% standard$1,350 / 0.58 ratio110% standard$1,650 / 0.71 ratio
0.64
3 BR
3 BR
0.78ratio
FMR$2,050
Market$2,640
vs market-$590

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

90% standard$1,845 / 0.70 ratio110% standard$2,255 / 0.85 ratio
0.78
4 BR
4 BR
0.92ratio
FMR$2,520
Market$2,750
vs market-$230

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

90% standard$2,268 / 0.82 ratio110% standard$2,772 / 1.01 ratio
0.92
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 97103 (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.

97103 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 97103 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,500 and the 4 bedroom fair market rent is $2,520.

Use this page for searches like 97103 FMR, 97103 fair market rent, and 97103 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 97103
Bedroom sizeHUD FMR
Studio$1,090
1 bedroom$1,140
2 bedroom$1,500
3 bedroom$2,050
4 bedroom$2,520