ELM, PA
CitySAFMR
Lancaster County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,100$1,150
1 BR$1,220$1,220
2 BR$1,530$1,590
3 BR$1,990$1,830
4 BR$2,030$1,920
5 BR$2,335
6 BR$2,685
7 BR$3,087
8 BR$3,550

Purchase Price Calculator

Maximum purchase price
$174,357

Cost breakdown

+Likely effective rent$1,590
HUD FMR$1,530
Market rent$1,620
Est. payment standard (104%)Used$1,590
Estimated payment standard is $1,590 (104% of FMR).
-Principal and interest-$882
Loan amount$139,485
Down payment$34,871
Rate6.50%
Term30 years
-Operating costs-$508
Property taxes-$174
Insurance-$175
Utilities$0
HOA$0
Management-$159
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,604(73.4% ROI)
Projected value
$187,763
Current value$174,357
Return breakdown
Property appreciation+$13,406
Loan principal paid down+$4,997
Rental cash flow+$7,200
5-year hold
+$43,824(125.7% ROI)
Projected value
$197,269
Current value$174,357
Return breakdown
Property appreciation+$22,912
Loan principal paid down+$8,912
Rental cash flow+$12,000
10-year hold
+$94,070(269.8% ROI)
Projected value
$223,192
Current value$174,357
Return breakdown
Property appreciation+$48,835
Loan principal paid down+$21,235
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- 17521
0.93ratio
FMR$1,100
Market$1,180
vs market-$80

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

90% standard$990 / 0.84 ratio110% standard$1,210 / 1.03 ratio
0.93
1 BR
1 BR- 17521
1.00ratio
FMR$1,220
Market$1,220
vs market+$0

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

90% standard$1,098 / 0.90 ratio110% standard$1,342 / 1.10 ratio
1.00
2 BR
2 BR- 17521
0.94ratio
FMR$1,530
Market$1,620
vs market-$90

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

90% standard$1,377 / 0.85 ratio110% standard$1,683 / 1.04 ratio
0.94
3 BR
3 BR- 17521
1.09ratio
FMR$1,990
Market$1,830
vs market+$160

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

90% standard$1,791 / 0.98 ratio110% standard$2,189 / 1.20 ratio
1.09
4 BR
4 BR- 17521
1.06ratio
FMR$2,030
Market$1,920
vs market+$110

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

90% standard$1,827 / 0.95 ratio110% standard$2,233 / 1.16 ratio
1.06
0.700.800.901.001.101.201.30aligned range

Voucher rents are well-aligned with market rents across all bedroom 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 ELM, PA (PA) 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.

Related ZIPs

ELM, PA fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for ELM, PA shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,530 and the 4 bedroom fair market rent is $2,030.

Use this page for searches like ELM, PA FMR, ELM, PA fair market rent, and ELM, PA 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 ELM, PA
Bedroom sizeHUD FMR
Studio$1,100
1 bedroom$1,220
2 bedroom$1,530
3 bedroom$1,990
4 bedroom$2,030