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Windsor County/White River Junction/05001

05001

ZIPSAFMR
Windsor County, VT
Zillow

ZIP Investment Score

57Below average

095130300
BRFMR
Eff. Rent
0 BR$1,410$1,550
1 BR$1,420$1,560
2 BR$1,660$1,830
3 BR$2,170$2,390
4 BR$2,270$2,500
5 BR$2,611Not available
6 BR$3,002Not available
7 BR$3,452Not available
8 BR$3,970Not available

Purchase Price Calculator

Maximum purchase price
$210,021

Cost breakdown

+Likely effective rent$1,830
HUD FMR$1,660
Market rent$2,620
Est. payment standard (110%)Used$1,830
-Principal and interest-$1,062
Loan amount$168,017
Down payment$42,004
Rate6.50%
Term30 years
-Operating costs-$568
Property taxes-$210
Insurance-$175
Utilities$0
HOA$0
Management-$183
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,368(69.9% ROI)
Projected value
$226,169
Return breakdown
Property appreciation+$16,149
Loan principal paid down+$6,020
Rental cash flow+$7,200
5-year hold
+$50,333(119.8% ROI)
Projected value
$237,619
Return breakdown
Property appreciation+$27,598
Loan principal paid down+$10,735
Rental cash flow+$12,000
10-year hold
+$108,402(258.1% ROI)
Projected value
$268,844
Return breakdown
Property appreciation+$58,824
Loan principal paid down+$25,579
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.82
1 BR
0.80
2 BR
0.63
3 BR
0.71
4 BR
0.56
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 05001 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 05001 (White River Junction, VT) is $1,660 a month. That is up 13.7% from $1,460 in FY 2026. White River Junction is in the Windsor 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 $1,558. Among 44 ZIP codes in Windsor County, 05001 has the 20th-highest two-bedroom rent (county range $1,300–$1,900). The median county two-bedroom FMR in Vermont is $1,570, so ZIP 05001 is 6% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 05001
BedroomsFY 2027Change90–110% range
Studio$1,410+13.7%$1,269–$1,551
1BR$1,420+13.6%$1,278–$1,562
2BR$1,660+13.7%$1,494–$1,826
3BR$2,170+13.6%$1,953–$2,387
4BR$2,270+14.6%$2,043–$2,497

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 05001
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,410$1,420$1,660$2,170$2,270
FY 2026$1,240$1,250$1,460$1,910$1,980
FY 2025$1,220$1,220$1,410$1,830$1,890
FY 2024area FMR$1,039$1,136$1,300$1,725$1,731
FY 2023area FMR$841$982$1,129$1,536$1,542

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

Two-bedroom rent in nearby Windsor County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 05001
05001Current$1,660—
05030$1,460−12.0%
05031$1,760+6.0%
05032$1,820+9.6%
05034$1,820+9.6%
05035$1,900+14.5%
05037$1,460−12.0%
05047$1,560−6.0%
05048$1,680+1.2%
05049$1,560−6.0%
05052$1,820+9.6%
05053$1,740+4.8%

Questions about ZIP 05001 rents

How much will Section 8 pay for a two-bedroom in ZIP 05001?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,558, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,402 to $1,714 a month; under the ZIP-level Small Area FMR of $1,660 it would be $1,494 to $1,826. 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 05001 in?

ZIP 05001 is in the Windsor County, VT non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,558.

How much did fair market rent change in ZIP 05001 for FY 2027?

The two-bedroom FMR rose 13.7%, from $1,460 in FY 2026 to $1,660 in FY 2027. Since FY 2025 it has risen 17.7%.

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 rentWhite River Junction, VT fair market rentVT statewide rentsWhat is SAFMR?Data sources