Skip to main content
Loading page
PA/Delaware County/Swarthmore

Swarthmore, PA

CitySAFMR
Delaware County
Found 1 ZIP

City Median Investment Score

81Below average

095130300
BRFMR
Eff. Rent
0 BR$1,430$1,240
1 BR$1,550$1,460
2 BR$1,850$1,930
3 BR$2,200$2,340
4 BR$2,430$2,670
5 BR$2,795Not available
6 BR$3,214Not available
7 BR$3,696Not available
8 BR$4,250Not available

Purchase Price Calculator

Maximum purchase price
$224,881

Cost breakdown

+Likely effective rent$1,930
HUD FMR$1,850
Market rent$1,970
Est. payment standard (104%)Used$1,930
-Principal and interest-$1,137
Loan amount$179,905
Down payment$44,976
Rate6.50%
Term30 years
-Operating costs-$593
Property taxes-$225
Insurance-$175
Utilities$0
HOA$0
Management-$193
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,937(68.8% ROI)
Projected value
$242,172
Return breakdown
Property appreciation+$17,291
Loan principal paid down+$6,446
Rental cash flow+$7,200
5-year hold
+$53,045(117.9% ROI)
Projected value
$254,432
Return breakdown
Property appreciation+$29,551
Loan principal paid down+$11,494
Rental cash flow+$12,000
10-year hold
+$114,374(254.3% ROI)
Projected value
$287,866
Return breakdown
Property appreciation+$62,986
Loan principal paid down+$27,388
Rental cash flow+$24,000

Public Housing Authority

Loading Public Housing Authority

Rolodex

Loading Rolodex

Market Alignment

Studio
1.15
1 BR
1.06
2 BR
0.94
3 BR
0.91
4 BR
0.80
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Swarthmore, PA fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Swarthmore, PA is $1,850 a month. That is up 5.1% from $1,760 in FY 2026. Swarthmore is in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 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 Swarthmore is 63% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Swarthmore, PA
BedroomsFY 2027Change90–110% range
Studio$1,430+5.1%$1,287–$1,573
1BR$1,550+4.7%$1,395–$1,705
2BR$1,850+5.1%$1,665–$2,035
3BR$2,200+4.3%$1,980–$2,420
4BR$2,430+3.0%$2,187–$2,673

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Swarthmore, PA
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,430$1,550$1,850$2,200$2,430
FY 2026$1,360$1,480$1,760$2,110$2,360
FY 2025$1,320$1,450$1,730$2,080$2,370
FY 2024$1,210$1,340$1,610$1,950$2,250
FY 2023$1,050$1,190$1,430$1,740$2,020

Questions about Swarthmore, PA rents

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

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,850, that basic range is $1,665 to $2,035 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 Swarthmore, PA in?

Swarthmore, PA is in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 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 Swarthmore, PA for FY 2027?

The two-bedroom FMR rose 5.1%, from $1,760 in FY 2026 to $1,850 in FY 2027. Since FY 2023 it has risen 29.4%.

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