97365
ZIPSAFMR
Lincoln County, OR
BRFMR
Eff. Rent
0 BR$1,130$1,240
1 BR$1,140$1,250
2 BR$1,490$1,640
3 BR$2,060$2,220
4 BR$2,500$2,200
5 BR$2,875
6 BR$3,306
7 BR$3,802
8 BR$4,373

Purchase Price Calculator

Maximum purchase price
$181,787

Cost breakdown

+Likely effective rent$1,640
HUD FMR$1,490
Market rent$1,960
Est. payment standard (110%)Used$1,640
Estimated payment standard is $1,640 (110% of FMR).
-Principal and interest-$919
Loan amount$145,429
Down payment$36,357
Rate6.50%
Term30 years
-Operating costs-$521
Property taxes-$182
Insurance-$175
Utilities$0
HOA$0
Management-$164
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,388(72.6% ROI)
Projected value
$195,765
Current value$181,787
Return breakdown
Property appreciation+$13,978
Loan principal paid down+$5,210
Rental cash flow+$7,200
5-year hold
+$45,180(124.3% ROI)
Projected value
$205,675
Current value$181,787
Return breakdown
Property appreciation+$23,888
Loan principal paid down+$9,292
Rental cash flow+$12,000
10-year hold
+$97,056(266.9% ROI)
Projected value
$232,703
Current value$181,787
Return breakdown
Property appreciation+$50,916
Loan principal paid down+$22,140
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.71ratio
FMR$1,130
Market$1,590
vs market-$460

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

90% standard$1,017 / 0.64 ratio110% standard$1,243 / 0.78 ratio
0.71
1 BR
1 BR
0.70ratio
FMR$1,140
Market$1,620
vs market-$480

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

90% standard$1,026 / 0.63 ratio110% standard$1,254 / 0.77 ratio
0.70
2 BR
2 BR
0.76ratio
FMR$1,490
Market$1,960
vs market-$470

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

90% standard$1,341 / 0.68 ratio110% standard$1,639 / 0.84 ratio
0.76
3 BR
3 BR
0.89ratio
FMR$2,060
Market$2,310
vs market-$250

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

90% standard$1,854 / 0.80 ratio110% standard$2,266 / 0.98 ratio
0.89
4 BR
4 BR
1.14ratio
FMR$2,500
Market$2,200
vs market+$300

FMR is above market; underwrite to market rent.

90% standard$2,250 / 1.02 ratio110% standard$2,750 / 1.25 ratio
1.14
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 97365 (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.

97365 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 97365 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,490 and the 4 bedroom fair market rent is $2,500.

Use this page for searches like 97365 FMR, 97365 fair market rent, and 97365 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 97365
Bedroom sizeHUD FMR
Studio$1,130
1 bedroom$1,140
2 bedroom$1,490
3 bedroom$2,060
4 bedroom$2,500