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Belknap County/Gilford/03249

03249

ZIPSAFMR
Belknap County, NH
Zillow

ZIP Investment Score

45Below average

095130300
BRFMR
Eff. Rent
0 BR$1,200$1,320
1 BR$1,380$1,520
2 BR$1,740$1,890
3 BR$2,150$2,330
4 BR$2,590$2,340
5 BR$2,978Not available
6 BR$3,425Not available
7 BR$3,939Not available
8 BR$4,530Not available

Purchase Price Calculator

Maximum purchase price
$218,937

Cost breakdown

+Likely effective rent$1,890
HUD FMR$1,740
Market rent$1,970
Est. payment standard (109%)Used$1,890
-Principal and interest-$1,107
Loan amount$175,149
Down payment$43,787
Rate6.50%
Term30 years
-Operating costs-$583
Property taxes-$219
Insurance-$175
Utilities$0
HOA$0
Management-$189
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,309(69.2% ROI)
Projected value
$235,771
Return breakdown
Property appreciation+$16,834
Loan principal paid down+$6,275
Rental cash flow+$7,200
5-year hold
+$51,960(118.7% ROI)
Projected value
$247,707
Return breakdown
Property appreciation+$28,770
Loan principal paid down+$11,190
Rental cash flow+$12,000
10-year hold
+$111,985(255.7% ROI)
Projected value
$280,258
Return breakdown
Property appreciation+$61,321
Loan principal paid down+$26,665
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.73
1 BR
0.84
2 BR
0.88
3 BR
0.88
4 BR
1.11
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 03249 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 03249 (Gilford, NH) is $1,740 a month. That is down 9.8% from $1,930 in FY 2026. Gilford is in the Belknap County, NH 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 $1,620. Among 18 ZIP codes in Belknap County, 03249 has the 9th-highest two-bedroom rent (county range $1,620–$2,400).

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 03249
BedroomsFY 2027Change90–110% range
Studio$1,200−9.8%$1,080–$1,320
1BR$1,380−9.8%$1,242–$1,518
2BR$1,740−9.8%$1,566–$1,914
3BR$2,150−9.7%$1,935–$2,365
4BR$2,590−9.8%$2,331–$2,849

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 03249
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,200$1,380$1,740$2,150$2,590
FY 2026$1,330$1,530$1,930$2,380$2,870
FY 2025$990$1,140$1,430$1,800$2,150
FY 2024area FMR$906$1,058$1,329$1,710$2,019
FY 2023area FMR$926$1,015$1,292$1,739$1,912

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

Two-bedroom rent in nearby Belknap County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 03249
03225$1,690−2.9%
03226$1,980+13.8%
03237$1,780+2.3%
03245$2,400+37.9%
03246$1,620−6.9%
03249Current$1,740—
03252$1,620−6.9%
03253$1,720−1.1%
03254$1,870+7.5%
03256$1,680−3.4%
03269$1,700−2.3%
03276$1,780+2.3%

Questions about ZIP 03249 rents

How much will Section 8 pay for a two-bedroom in ZIP 03249?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,620, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,458 to $1,782 a month; under the ZIP-level Small Area FMR of $1,740 it would be $1,566 to $1,914. 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 ZIP 03249 in?

ZIP 03249 is in the Belknap County, NH non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,620.

How much did fair market rent change in ZIP 03249 for FY 2027?

The two-bedroom FMR fell 9.8%, from $1,930 in FY 2026 to $1,740 in FY 2027. Since FY 2025 it has risen 21.7%.

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

County fair market rentGilford, NH fair market rentNH statewide rentsWhat is SAFMR?Data sources