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Carroll County/Mirror Lake/03853

03853

ZIPSAFMR
Carroll County, NH
Zillow

ZIP Investment Score

42Below average

095130300
BRFMR
Eff. Rent
0 BR$1,110$1,110
1 BR$1,220$1,220
2 BR$1,570$1,730
3 BR$2,170$2,340
4 BR$2,560$2,560
5 BR$2,944Not available
6 BR$3,386Not available
7 BR$3,893Not available
8 BR$4,477Not available

Purchase Price Calculator

Maximum purchase price
$195,161

Cost breakdown

+Likely effective rent$1,730
HUD FMR$1,570
Market rent$2,400
Est. payment standard (110%)Used$1,730
-Principal and interest-$987
Loan amount$156,129
Down payment$39,032
Rate6.50%
Term30 years
-Operating costs-$543
Property taxes-$195
Insurance-$175
Utilities$0
HOA$0
Management-$173
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,800(71.2% ROI)
Projected value
$210,167
Return breakdown
Property appreciation+$15,006
Loan principal paid down+$5,594
Rental cash flow+$7,200
5-year hold
+$47,621(122.0% ROI)
Projected value
$220,807
Return breakdown
Property appreciation+$25,646
Loan principal paid down+$9,975
Rental cash flow+$12,000
10-year hold
+$102,430(262.4% ROI)
Projected value
$249,822
Return breakdown
Property appreciation+$54,662
Loan principal paid down+$23,769
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

2 BR
0.65
3 BR
0.89
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 03853 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 03853 (Mirror Lake, NH) is $1,570 a month. That is down 8.2% from $1,710 in FY 2026. Mirror Lake is in the Carroll 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 $1,566. Among 33 ZIP codes in Carroll County, 03853 is tied for the 18th-highest two-bedroom rent (county range $1,540–$2,350). The median county two-bedroom FMR in New Hampshire is $1,727, so ZIP 03853 is 9% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 03853
BedroomsFY 2027Change90–110% range
Studio$1,110−6.7%$999–$1,221
1BR$1,220−9.0%$1,098–$1,342
2BR$1,570−8.2%$1,413–$1,727
3BR$2,170−7.7%$1,953–$2,387
4BR$2,560−9.9%$2,304–$2,816

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 03853
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,110$1,220$1,570$2,170$2,560
FY 2026$1,190$1,340$1,710$2,350$2,840
FY 2025$980$1,130$1,400$1,880$2,340
FY 2024area FMR$866$1,009$1,241$1,664$2,097
FY 2023area FMR$802$983$1,199$1,590$1,966

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

Two-bedroom rent in nearby Carroll County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 03853
03836$1,630+3.8%
03838$1,860+18.5%
03845$1,910+21.7%
03846$2,320+47.8%
03847$1,540−1.9%
03849$1,670+6.4%
03850$1,5700.0%
03853Current$1,570—
03855$1,980+26.1%
03860$1,540−1.9%
03864$1,540−1.9%
03872$1,540−1.9%

Questions about ZIP 03853 rents

How much will Section 8 pay for a two-bedroom in ZIP 03853?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,566, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,409 to $1,723 a month; under the ZIP-level Small Area FMR of $1,570 it would be $1,413 to $1,727. 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 03853 in?

ZIP 03853 is in the Carroll County, NH non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,566.

How much did fair market rent change in ZIP 03853 for FY 2027?

The two-bedroom FMR fell 8.2%, from $1,710 in FY 2026 to $1,570 in FY 2027. Since FY 2025 it has risen 12.1%.

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