99164
ZIPFMR
Whitman County, WA
BRFMR
Eff. Rent
0 BR$806$870
1 BR$891$960
2 BR$1,169$1,290
3 BR$1,626$1,790
4 BR$1,961$2,160
5 BR$2,255
6 BR$2,593
7 BR$2,982
8 BR$3,430

Purchase Price Calculator

Maximum purchase price
$129,777

Cost breakdown

+Likely effective rent$1,290
HUD FMR$1,169
Market rent$1,460
Est. payment standard (110%)Used$1,290
Estimated payment standard is $1,290 (110% of FMR).
-Principal and interest-$656
Loan amount$103,822
Down payment$25,955
Rate6.50%
Term30 years
-Operating costs-$434
Property taxes-$130
Insurance-$175
Utilities$0
HOA$0
Management-$129
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,898(80.5% ROI)
Projected value
$139,756
Current value$129,777
Return breakdown
Property appreciation+$9,979
Loan principal paid down+$3,720
Rental cash flow+$7,200
5-year hold
+$35,687(137.5% ROI)
Projected value
$146,831
Current value$129,777
Return breakdown
Property appreciation+$17,054
Loan principal paid down+$6,633
Rental cash flow+$12,000
10-year hold
+$76,154(293.4% ROI)
Projected value
$166,126
Current value$129,777
Return breakdown
Property appreciation+$36,349
Loan principal paid down+$15,806
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
0.89ratio
FMR$806
Market$910
vs market-$104

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

90% standard$725 / 0.80 ratio110% standard$887 / 0.97 ratio
0.89
1 BR
1 BR
0.90ratio
FMR$891
Market$990
vs market-$99

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

90% standard$802 / 0.81 ratio110% standard$980 / 0.99 ratio
0.90
2 BR
2 BR
0.80ratio
FMR$1,169
Market$1,460
vs market-$291

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

90% standard$1,052 / 0.72 ratio110% standard$1,286 / 0.88 ratio
0.80
3 BR
3 BR
0.79ratio
FMR$1,626
Market$2,060
vs market-$434

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

90% standard$1,463 / 0.71 ratio110% standard$1,789 / 0.87 ratio
0.79
4 BR
4 BR
0.76ratio
FMR$1,961
Market$2,580
vs market-$619

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

90% standard$1,765 / 0.68 ratio110% standard$2,157 / 0.84 ratio
0.76
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 99164 (WA) 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 FMR 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.

99164 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 99164 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,169 and the 4 bedroom fair market rent is $1,961.

Use this page for searches like 99164 FMR, 99164 fair market rent, and 99164 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 99164
Bedroom sizeHUD FMR
Studio$806
1 bedroom$891
2 bedroom$1,169
3 bedroom$1,626
4 bedroom$1,961