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Merrimack County/Sunapee/03782

03782

ZIPSAFMR
Merrimack County, NH
Zillow

ZIP Investment Score

54Below average

095130300
BRFMR
Eff. Rent
0 BR$1,540$1,270
1 BR$1,690$1,370
2 BR$2,190$2,250
3 BR$3,030$3,040
4 BR$3,470$3,320
5 BR$3,990Not available
6 BR$4,589Not available
7 BR$5,277Not available
8 BR$6,069Not available

Purchase Price Calculator

Maximum purchase price
$272,433

Cost breakdown

+Likely effective rent$2,250
HUD FMR$2,190
Market rent$2,280
Est. payment standard (103%)Used$2,250
-Principal and interest-$1,378
Loan amount$217,946
Down payment$54,487
Rate6.50%
Term30 years
-Operating costs-$672
Property taxes-$272
Insurance-$175
Utilities$0
HOA$0
Management-$225
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$35,956(66.0% ROI)
Projected value
$293,380
Return breakdown
Property appreciation+$20,948
Loan principal paid down+$7,808
Rental cash flow+$7,200
5-year hold
+$61,725(113.3% ROI)
Projected value
$308,232
Return breakdown
Property appreciation+$35,800
Loan principal paid down+$13,925
Rental cash flow+$12,000
10-year hold
+$133,484(245.0% ROI)
Projected value
$348,737
Return breakdown
Property appreciation+$76,304
Loan principal paid down+$33,180
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.21
1 BR
1.23
2 BR
0.96
3 BR
1.00
4 BR
1.05
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 03782 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 03782 (Sunapee, NH) is $2,190 a month. That is down 6.8% from $2,350 in FY 2026. Sunapee is in the Merrimack 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 $1,800. Among 42 ZIP codes in Merrimack County, 03782 has the 5th-highest two-bedroom rent (county range $1,690–$2,460). The median county two-bedroom FMR in New Hampshire is $1,727, so ZIP 03782 is 27% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 03782
BedroomsFY 2027Change90–110% range
Studio$1,540−6.1%$1,386–$1,694
1BR$1,690−5.6%$1,521–$1,859
2BR$2,190−6.8%$1,971–$2,409
3BR$3,030−6.8%$2,727–$3,333
4BR$3,470−4.1%$3,123–$3,817

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 03782
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,540$1,690$2,190$3,030$3,470
FY 2026$1,640$1,790$2,350$3,250$3,620
FY 2025$1,250$1,380$1,810$2,420$2,630
FY 2024area FMR$972$1,086$1,427$1,877$1,900
FY 2023area FMR$963$1,072$1,411$1,839$1,895

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

Two-bedroom rent in nearby Merrimack County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 03782
03275$1,780−18.7%
03276$1,780−18.7%
03278$1,780−18.7%
03280$1,940−11.4%
03287$1,780−18.7%
03301$1,870−14.6%
03302$1,800−17.8%
03303$1,930−11.9%
03304$2,140−2.3%
03305$1,800−17.8%
03307$1,820−16.9%
03782Current$2,190—

Questions about ZIP 03782 rents

How much will Section 8 pay for a two-bedroom in ZIP 03782?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,800, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,620 to $1,980 a month; under the ZIP-level Small Area FMR of $2,190 it would be $1,971 to $2,409. 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 03782 in?

ZIP 03782 is in the Merrimack County, NH non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,800.

How much did fair market rent change in ZIP 03782 for FY 2027?

The two-bedroom FMR fell 6.8%, from $2,350 in FY 2026 to $2,190 in FY 2027. Since FY 2025 it has risen 21.0%.

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