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Cheshire County/Harrisville/03450

03450

ZIPSAFMR
Cheshire County, NH
Zillow

ZIP Investment Score

53Below average

095130300
BRFMR
Eff. Rent
0 BR$1,410$1,410
1 BR$1,550$1,550
2 BR$2,040$2,040
3 BR$2,660$2,660
4 BR$2,700$2,700
5 BR$3,105Not available
6 BR$3,571Not available
7 BR$4,106Not available
8 BR$4,722Not available

Purchase Price Calculator

Maximum purchase price
$241,227

Cost breakdown

+Likely effective rent$2,040
HUD FMRUsed$2,040
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,220
Loan amount$192,981
Down payment$48,245
Rate6.50%
Term30 years
-Operating costs-$620
Property taxes-$241
Insurance-$175
Utilities$0
HOA$0
Management-$204
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,662(67.7% ROI)
Projected value
$259,775
Return breakdown
Property appreciation+$18,548
Loan principal paid down+$6,914
Rental cash flow+$7,200
5-year hold
+$56,029(116.1% ROI)
Projected value
$272,926
Return breakdown
Property appreciation+$31,699
Loan principal paid down+$12,330
Rental cash flow+$12,000
10-year hold
+$120,943(250.7% ROI)
Projected value
$308,791
Return breakdown
Property appreciation+$67,564
Loan principal paid down+$29,379
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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ZIP 03450 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 03450 (Harrisville, NH) is $2,040 a month. That is down 9.7% from $2,260 in FY 2026. Harrisville is in the Cheshire 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 $1,734. Among 28 ZIP codes in Cheshire County, 03450 has the 2nd-highest two-bedroom rent (county range $1,740–$2,260). The median county two-bedroom FMR in New Hampshire is $1,727, so ZIP 03450 is 18% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 03450
BedroomsFY 2027Change90–110% range
Studio$1,410−9.6%$1,269–$1,551
1BR$1,550−9.9%$1,395–$1,705
2BR$2,040−9.7%$1,836–$2,244
3BR$2,660−9.8%$2,394–$2,926
4BR$2,700−9.7%$2,430–$2,970

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 03450
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,410$1,550$2,040$2,660$2,700
FY 2026$1,560$1,720$2,260$2,950$2,990
FY 2025$1,300$1,450$1,900$2,470$2,520
FY 2024area FMR$945$1,061$1,394$1,833$1,888
FY 2023area FMR$946$1,011$1,331$1,860$1,954

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

Two-bedroom rent in nearby Cheshire County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 03450
03443$1,740−14.7%
03444$1,740−14.7%
03445$1,950−4.4%
03446$2,260+10.8%
03447$1,740−14.7%
03448$2,010−1.5%
03450Current$2,040—
03451$1,740−14.7%
03452$1,740−14.7%
03455$1,810−11.3%
03456$1,740−14.7%
03457$1,960−3.9%

Questions about ZIP 03450 rents

How much will Section 8 pay for a two-bedroom in ZIP 03450?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,734, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,561 to $1,907 a month; under the ZIP-level Small Area FMR of $2,040 it would be $1,836 to $2,244. 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 03450 in?

ZIP 03450 is in the Cheshire County, NH non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,734.

How much did fair market rent change in ZIP 03450 for FY 2027?

The two-bedroom FMR fell 9.7%, from $2,260 in FY 2026 to $2,040 in FY 2027. Since FY 2025 it has risen 7.4%.

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

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