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CO/Moffat County/Hamilton

Hamilton, CO

CitySAFMR
Moffat County
Found 1 ZIP
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City Median Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$1,560$1,560
1 BR$1,670$1,670
2 BR$1,820$1,820
3 BR$2,190$2,190
4 BR$2,860$2,860
5 BR$3,289Not available
6 BR$3,782Not available
7 BR$4,350Not available
8 BR$5,002Not available

Purchase Price Calculator

Maximum purchase price
$208,535

Cost breakdown

+Likely effective rent$1,820
HUD FMRUsed$1,820
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,054
Loan amount$166,828
Down payment$41,707
Rate6.50%
Term30 years
-Operating costs-$566
Property taxes-$209
Insurance-$175
Utilities$0
HOA$0
Management-$182
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,211(70.0% ROI)
Projected value
$224,569
Return breakdown
Property appreciation+$16,034
Loan principal paid down+$5,977
Rental cash flow+$7,200
5-year hold
+$50,062(120.0% ROI)
Projected value
$235,938
Return breakdown
Property appreciation+$27,403
Loan principal paid down+$10,659
Rental cash flow+$12,000
10-year hold
+$107,805(258.5% ROI)
Projected value
$266,942
Return breakdown
Property appreciation+$58,407
Loan principal paid down+$25,398
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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Hamilton, CO fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Hamilton, CO is $1,820 a month. That is up 6.4% from $1,710 in FY 2026. Hamilton is in the Moffat County, CO 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 $1,225. The median county two-bedroom FMR in Colorado is $1,375, so Hamilton is 32% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Hamilton, CO
BedroomsFY 2027Change90–110% range
Studio$1,560+11.4%$1,404–$1,716
1BR$1,670+14.4%$1,503–$1,837
2BR$1,820+6.4%$1,638–$2,002
3BR$2,190+6.3%$1,971–$2,409
4BR$2,860+4.8%$2,574–$3,146

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Hamilton, CO
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,560$1,670$1,820$2,190$2,860
FY 2026$1,400$1,460$1,710$2,060$2,730
FY 2025$1,310$1,350$1,770$2,130$2,990
FY 2024area FMR$922$929$1,220$1,475$1,625
FY 2023area FMR$812$817$1,076$1,310$1,445

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

Questions about Hamilton, CO rents

How much will Section 8 pay for a two-bedroom in Hamilton, CO?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,225, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,103 to $1,348 a month; under the ZIP-level Small Area FMR of $1,820 it would be $1,638 to $2,002. 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 Hamilton, CO in?

Hamilton, CO is in the Moffat County, CO non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,225.

How much did fair market rent change in Hamilton, CO for FY 2027?

The two-bedroom FMR rose 6.4%, from $1,710 in FY 2026 to $1,820 in FY 2027. Since FY 2025 it has risen 2.8%.

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