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Kirkwood, PA

CitySAFMR
Lancaster County
Found 1 ZIP

City Median Investment Score

55Below average

095130300
BRFMR
Eff. Rent
0 BR$930$930
1 BR$1,020$1,020
2 BR$1,260$1,260
3 BR$1,600$1,600
4 BR$1,660$1,660
5 BR$1,909Not available
6 BR$2,195Not available
7 BR$2,525Not available
8 BR$2,903Not available

Purchase Price Calculator

Maximum purchase price
$125,319

Cost breakdown

+Likely effective rent$1,260
HUD FMRUsed$1,260
Market rentN/A
Est. payment standardN/A
-Principal and interest-$634
Loan amount$100,255
Down payment$25,064
Rate6.50%
Term30 years
-Operating costs-$426
Property taxes-$125
Insurance-$175
Utilities$0
HOA$0
Management-$126
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,428(81.5% ROI)
Projected value
$134,955
Return breakdown
Property appreciation+$9,636
Loan principal paid down+$3,592
Rental cash flow+$7,200
5-year hold
+$34,873(139.1% ROI)
Projected value
$141,787
Return breakdown
Property appreciation+$16,468
Loan principal paid down+$6,405
Rental cash flow+$12,000
10-year hold
+$74,363(296.7% ROI)
Projected value
$160,419
Return breakdown
Property appreciation+$35,100
Loan principal paid down+$15,263
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
--
Mortgage rate
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Kirkwood, PA fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Kirkwood, PA is $1,260 a month. That is up 11.5% from $1,130 in FY 2026. Kirkwood is in the Lancaster, PA MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. The median county two-bedroom FMR in Pennsylvania is $1,136, so Kirkwood is 11% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Kirkwood, PA
BedroomsFY 2027Change90–110% range
Studio$930+13.4%$837–$1,023
1BR$1,020+13.3%$918–$1,122
2BR$1,260+11.5%$1,134–$1,386
3BR$1,600+8.8%$1,440–$1,760
4BR$1,660+10.7%$1,494–$1,826

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Kirkwood, PA
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$930$1,020$1,260$1,600$1,660
FY 2026$820$900$1,130$1,470$1,500
FY 2025$690$770$970$1,270$1,290
FY 2024$650$740$930$1,200$1,240
FY 2023$600$690$870$1,100$1,170

Questions about Kirkwood, PA rents

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

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,260, that basic range is $1,134 to $1,386 a month. 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 Kirkwood, PA in?

Kirkwood, PA is in the Lancaster, PA MSA. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

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

The two-bedroom FMR rose 11.5%, from $1,130 in FY 2026 to $1,260 in FY 2027. Since FY 2023 it has risen 44.8%.

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