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Concord, VT

CitySAFMR
Essex County
Found 1 ZIP

City Median Investment Score

85Below average

095130300
BRFMR
Eff. Rent
0 BR$990$990
1 BR$1,120$1,120
2 BR$1,240$1,240
3 BR$1,710$1,710
4 BR$1,970$1,970
5 BR$2,266Not available
6 BR$2,605Not available
7 BR$2,996Not available
8 BR$3,446Not available

Purchase Price Calculator

Maximum purchase price
$122,347

Cost breakdown

+Likely effective rent$1,240
HUD FMRUsed$1,240
Market rentN/A
Est. payment standardN/A
-Principal and interest-$619
Loan amount$97,878
Down payment$24,469
Rate6.50%
Term30 years
-Operating costs-$421
Property taxes-$122
Insurance-$175
Utilities$0
HOA$0
Management-$124
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,114(82.2% ROI)
Projected value
$131,754
Return breakdown
Property appreciation+$9,407
Loan principal paid down+$3,507
Rental cash flow+$7,200
5-year hold
+$34,331(140.3% ROI)
Projected value
$138,424
Return breakdown
Property appreciation+$16,077
Loan principal paid down+$6,253
Rental cash flow+$12,000
10-year hold
+$73,168(299.0% ROI)
Projected value
$156,615
Return breakdown
Property appreciation+$34,268
Loan principal paid down+$14,901
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
--
Tax rate
--
Mortgage rate
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Concord, VT fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Concord, VT is $1,240 a month. That is up 17.0% from $1,060 in FY 2026. Concord is in the Essex County, VT 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 $1,167. The median county two-bedroom FMR in Vermont is $1,570, so Concord is 21% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Concord, VT
BedroomsFY 2027Change90–110% range
Studio$990+17.9%$891–$1,089
1BR$1,120+17.9%$1,008–$1,232
2BR$1,240+17.0%$1,116–$1,364
3BR$1,710+16.3%$1,539–$1,881
4BR$1,970+15.9%$1,773–$2,167

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Concord, VT
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$990$1,120$1,240$1,710$1,970
FY 2026$840$950$1,060$1,470$1,700
FY 2025$880$910$1,020$1,430$1,500
FY 2024area FMR$812$834$936$1,301$1,319
FY 2023area FMR$730$746$843$1,143$1,169

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

Questions about Concord, VT rents

How much will Section 8 pay for a two-bedroom in Concord, VT?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,167, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,050 to $1,284 a month; under the ZIP-level Small Area FMR of $1,240 it would be $1,116 to $1,364. 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 Concord, VT in?

Concord, VT is in the Essex County, VT non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,167.

How much did fair market rent change in Concord, VT for FY 2027?

The two-bedroom FMR rose 17.0%, from $1,060 in FY 2026 to $1,240 in FY 2027. Since FY 2025 it has risen 21.6%.

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