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Peacham, VT

CitySAFMR
Caledonia County
Found 1 ZIP

City Median Investment Score

71Below average

095130300
BRFMR
Eff. Rent
0 BR$1,330$1,330
1 BR$1,390$1,390
2 BR$1,670$1,670
3 BR$2,220$2,220
4 BR$2,550$2,550
5 BR$2,933Not available
6 BR$3,372Not available
7 BR$3,878Not available
8 BR$4,460Not available

Purchase Price Calculator

Maximum purchase price
$186,245

Cost breakdown

+Likely effective rent$1,670
HUD FMRUsed$1,670
Market rentN/A
Est. payment standardN/A
-Principal and interest-$942
Loan amount$148,996
Down payment$37,249
Rate6.50%
Term30 years
-Operating costs-$528
Property taxes-$186
Insurance-$175
Utilities$0
HOA$0
Management-$167
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,859(72.1% ROI)
Projected value
$200,565
Return breakdown
Property appreciation+$14,320
Loan principal paid down+$5,338
Rental cash flow+$7,200
5-year hold
+$45,993(123.5% ROI)
Projected value
$210,719
Return breakdown
Property appreciation+$24,474
Loan principal paid down+$9,519
Rental cash flow+$12,000
10-year hold
+$98,847(265.4% ROI)
Projected value
$238,409
Return breakdown
Property appreciation+$52,164
Loan principal paid down+$22,683
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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Peacham, VT fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Peacham, VT is $1,670 a month. That is up 60.6% from $1,040 in FY 2026. Peacham is in the Caledonia 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 $1,327. The median county two-bedroom FMR in Vermont is $1,570, so Peacham is 6% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Peacham, VT
BedroomsFY 2027Change90–110% range
Studio$1,330+51.1%$1,197–$1,463
1BR$1,390+56.2%$1,251–$1,529
2BR$1,670+60.6%$1,503–$1,837
3BR$2,220+53.1%$1,998–$2,442
4BR$2,550+64.5%$2,295–$2,805

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Peacham, VT
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,330$1,390$1,670$2,220$2,550
FY 2026$880$890$1,040$1,450$1,550
FY 2025$820$830$990$1,330$1,500
FY 2024area FMR$899$922$1,068$1,390$1,657
FY 2023area FMR$810$845$954$1,167$1,625

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

Questions about Peacham, VT rents

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

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,327, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,194 to $1,460 a month; under the ZIP-level Small Area FMR of $1,670 it would be $1,503 to $1,837. 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 Peacham, VT in?

Peacham, VT is in the Caledonia County, VT non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,327.

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

The two-bedroom FMR rose 60.6%, from $1,040 in FY 2026 to $1,670 in FY 2027. Since FY 2025 it has risen 68.7%.

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