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VT/Washington County/Waterbury Center

Waterbury Center, VT

CitySAFMR
Washington County
Found 1 ZIP

City Median Investment Score

56Below average

095130300
BRFMR
Eff. Rent
0 BR$1,450$1,450
1 BR$1,570$1,730
2 BR$2,030$2,030
3 BR$2,590$2,590
4 BR$2,690$2,690
5 BR$3,093Not available
6 BR$3,558Not available
7 BR$4,091Not available
8 BR$4,705Not available

Purchase Price Calculator

Maximum purchase price
$239,741

Cost breakdown

+Likely effective rent$2,030
HUD FMRUsed$2,030
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,212
Loan amount$191,793
Down payment$47,948
Rate6.50%
Term30 years
-Operating costs-$618
Property taxes-$240
Insurance-$175
Utilities$0
HOA$0
Management-$203
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,505(67.8% ROI)
Projected value
$258,174
Return breakdown
Property appreciation+$18,434
Loan principal paid down+$6,871
Rental cash flow+$7,200
5-year hold
+$55,758(116.3% ROI)
Projected value
$271,245
Return breakdown
Property appreciation+$31,504
Loan principal paid down+$12,254
Rental cash flow+$12,000
10-year hold
+$120,346(251.0% ROI)
Projected value
$306,888
Return breakdown
Property appreciation+$67,148
Loan principal paid down+$29,198
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

1 BR
0.86
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Waterbury Center, VT fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Waterbury Center, VT is $2,030 a month. That is up 1.5% from $2,000 in FY 2026. Waterbury Center is in the Washington 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 $1,783. The median county two-bedroom FMR in Vermont is $1,570, so Waterbury Center is 29% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Waterbury Center, VT
BedroomsFY 2027Change90–110% range
Studio$1,450−4.0%$1,305–$1,595
1BR$1,570+3.3%$1,413–$1,727
2BR$2,030+1.5%$1,827–$2,233
3BR$2,590+5.3%$2,331–$2,849
4BR$2,690+1.5%$2,421–$2,959

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Waterbury Center, VT
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,450$1,570$2,030$2,590$2,690
FY 2026$1,510$1,520$2,000$2,460$2,650
FY 2025$1,260$1,270$1,660$2,060$2,310
FY 2024area FMR$985$1,106$1,453$1,832$1,975
FY 2023area FMR$839$953$1,255$1,584$1,690

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

Questions about Waterbury Center, VT rents

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

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,783, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,605 to $1,961 a month; under the ZIP-level Small Area FMR of $2,030 it would be $1,827 to $2,233. 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 Waterbury Center, VT in?

Waterbury Center, VT is in the Washington County, VT non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,783.

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

The two-bedroom FMR rose 1.5%, from $2,000 in FY 2026 to $2,030 in FY 2027. Since FY 2025 it has risen 22.3%.

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