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PA/Bedford County/Central City

Central City, PA

CitySAFMR
Bedford County
Found 1 ZIP
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City Median Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$840$840
1 BR$930$930
2 BR$1,110$1,110
3 BR$1,470$1,470
4 BR$1,710$1,710
5 BR$1,966Not available
6 BR$2,261Not available
7 BR$2,601Not available
8 BR$2,991Not available

Purchase Price Calculator

Maximum purchase price
$103,029

Cost breakdown

+Likely effective rent$1,110
HUD FMRUsed$1,110
Market rentN/A
Est. payment standardN/A
-Principal and interest-$521
Loan amount$82,423
Down payment$20,606
Rate6.50%
Term30 years
-Operating costs-$389
Property taxes-$103
Insurance-$175
Utilities$0
HOA$0
Management-$111
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$18,075(87.7% ROI)
Projected value
$110,951
Return breakdown
Property appreciation+$7,922
Loan principal paid down+$2,953
Rental cash flow+$7,200
5-year hold
+$30,805(149.5% ROI)
Projected value
$116,568
Return breakdown
Property appreciation+$13,539
Loan principal paid down+$5,266
Rental cash flow+$12,000
10-year hold
+$65,405(317.4% ROI)
Projected value
$131,886
Return breakdown
Property appreciation+$28,857
Loan principal paid down+$12,548
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
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Mortgage rate
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Central City, PA fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Central City, PA is $1,110 a month. That is up 1.8% from $1,090 in FY 2026. Central City is in the Bedford County, PA non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,014. The median county two-bedroom FMR in Pennsylvania is $1,136, so Central City is 2% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Central City, PA
BedroomsFY 2027Change90–110% range
Studio$840−9.7%$756–$924
1BR$930−1.1%$837–$1,023
2BR$1,110+1.8%$999–$1,221
3BR$1,470+0.7%$1,323–$1,617
4BR$1,710+3.6%$1,539–$1,881

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Central City, PA
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$840$930$1,110$1,470$1,710
FY 2026$930$940$1,090$1,460$1,650
FY 2025$880$880$1,020$1,380$1,480
FY 2024area FMR$608$643$845$1,071$1,253
FY 2023area FMR$635$639$821$1,056$1,200

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Questions about Central City, PA rents

How much will Section 8 pay for a two-bedroom in Central City, PA?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,014, which applies unless the housing authority uses Small Area FMRs, that basic range is $913 to $1,115 a month; under the ZIP-level Small Area FMR of $1,110 it would be $999 to $1,221. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is Central City, PA in?

Central City, PA is in the Bedford County, PA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,014.

How much did fair market rent change in Central City, PA for FY 2027?

The two-bedroom FMR rose 1.8%, from $1,090 in FY 2026 to $1,110 in FY 2027. Since FY 2025 it has risen 8.8%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set