Run the numbers on a rental — with real HUD data
Free tools for rental-property investors: look up the official Section 8 Fair Market Rent for any U.S. county, then check whether the deal actually pencils.
Section 8 FMR Lookup
FY2027 Fair Market Rents by bedroom count for every U.S. county and metro. Straight from HUD.
DSCR Calculator
Will a DSCR lender fund it? NOI over debt service, with the 1.20–1.25 threshold flagged.
Cash-on-Cash Return
Annual cash flow against the cash you actually put in — the number that pays your bills.
1% Rule Quick Check
Ten-second screen: does monthly rent clear 1% of the purchase price?
Section 8 vs Market Rent
FMR next to your market rent estimate — see the spread and what it means for a landlord.
Investor Directory
Section 8-friendly property management and DSCR lenders, by metro.
FY2027 Fair Market Rents — featured investor markets
| Market | State | 1 BR | 2 BR | 3 BR | 4 BR |
|---|---|---|---|---|---|
| Macon-Bibb County | GA | $1,162 | $1,309 | $1,560 | $1,720 |
| Columbus | GA-AL | $1,053 | $1,212 | $1,611 | $1,876 |
| St. Louis | MO-IL | $1,104 | $1,349 | $1,731 | $1,997 |
| Baton Rouge | LA | $1,014 | $1,149 | $1,456 | $1,842 |
| Lafayette | LA | $971 | $1,092 | $1,375 | $1,607 |
| Shreveport-Bossier City | LA | $926 | $1,045 | $1,380 | $1,450 |
| New Orleans-Metairie | LA | $1,229 | $1,480 | $1,900 | $2,233 |
| Dayton-Kettering-Beavercreek | OH | $1,008 | $1,248 | $1,623 | $1,774 |
| Akron | OH | $952 | $1,231 | $1,474 | $1,618 |
| Toledo | OH | $875 | $1,145 | $1,461 | $1,558 |
| Cleveland | OH | $1,050 | $1,274 | $1,628 | $1,756 |
| Jacksonville | FL | $1,421 | $1,694 | $2,077 | $2,594 |
| Pensacola-Ferry Pass-Brent | FL | $1,359 | $1,548 | $2,034 | $2,435 |
| Columbia County | FL | $931 | $1,187 | $1,422 | $1,571 |
| Lubbock | TX | $1,050 | $1,241 | $1,718 | $2,053 |
| Montgomery | AL | $1,003 | $1,150 | $1,476 | $1,708 |
| Birmingham-Hoover | AL | $1,263 | $1,375 | $1,727 | $1,941 |
| Mobile | AL | $981 | $1,139 | $1,474 | $1,565 |
| Gary | IN | $1,176 | $1,429 | $1,739 | $1,898 |
| Indianapolis-Carmel | IN | $1,336 | $1,536 | $1,991 | $2,425 |
| Fayetteville | NC | $1,334 | $1,476 | $1,937 | $2,380 |
| Jackson | MS | $1,105 | $1,289 | $1,536 | $1,694 |
Source: HUD User — FY 2027 Fair Market Rents. FY2027 FMRs are effective October 1, 2026. FY2027 FMRs take effect October 1, 2026; until that date, the prior FY2026 schedule remains in effect. Look up any U.S. county →
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