Skip to main content
Loading page
Windsor County/Hartland/05048

05048

ZIPSAFMR
Windsor County, VT
Zillow

ZIP Investment Score

47Below average

095130300
BRFMR
Eff. Rent
0 BR$1,370$1,370
1 BR$1,400$1,400
2 BR$1,680$1,680
3 BR$2,220$2,220
4 BR$2,360$2,360
5 BR$2,714Not available
6 BR$3,121Not available
7 BR$3,589Not available
8 BR$4,128Not available

Purchase Price Calculator

Maximum purchase price
$187,731

Cost breakdown

+Likely effective rent$1,680
HUD FMRUsed$1,680
Market rentN/A
Est. payment standardN/A
-Principal and interest-$949
Loan amount$150,185
Down payment$37,546
Rate6.50%
Term30 years
-Operating costs-$531
Property taxes-$188
Insurance-$175
Utilities$0
HOA$0
Management-$168
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,015(72.0% ROI)
Projected value
$202,166
Return breakdown
Property appreciation+$14,435
Loan principal paid down+$5,381
Rental cash flow+$7,200
5-year hold
+$46,265(123.2% ROI)
Projected value
$212,400
Return breakdown
Property appreciation+$24,669
Loan principal paid down+$9,595
Rental cash flow+$12,000
10-year hold
+$99,444(264.9% ROI)
Projected value
$240,311
Return breakdown
Property appreciation+$52,581
Loan principal paid down+$22,864
Rental cash flow+$24,000

Public Housing Authority

Loading Public Housing Authority

Rolodex

Loading Rolodex

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
--

ZIP 05048 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 05048 (Hartland, VT) is $1,680 a month. That is up 7.0% from $1,570 in FY 2026. Hartland 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, 05048 is tied for the 17th-highest two-bedroom rent (county range $1,300–$1,900). The median county two-bedroom FMR in Vermont is $1,570, so ZIP 05048 is 7% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 05048
BedroomsFY 2027Change90–110% range
Studio$1,370+7.0%$1,233–$1,507
1BR$1,400+6.9%$1,260–$1,540
2BR$1,680+7.0%$1,512–$1,848
3BR$2,220+6.7%$1,998–$2,442
4BR$2,360+7.8%$2,124–$2,596

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 05048
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,370$1,400$1,680$2,220$2,360
FY 2026$1,280$1,310$1,570$2,080$2,190
FY 2025$1,040$1,040$1,200$1,560$1,600
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. 05048
05035$1,900+13.1%
05037$1,460−13.1%
05047$1,560−7.1%
05048Current$1,680—
05049$1,560−7.1%
05052$1,820+8.3%
05053$1,740+3.6%
05055$1,740+3.6%
05056$1,690+0.6%
05059$1,670−0.6%
05060$1,420−15.5%
05061$1,540−8.3%

Questions about ZIP 05048 rents

How much will Section 8 pay for a two-bedroom in ZIP 05048?

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 $1,680 it would be $1,512 to $1,848. 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 05048 in?

ZIP 05048 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 05048 for FY 2027?

The two-bedroom FMR rose 7.0%, from $1,570 in FY 2026 to $1,680 in FY 2027. Since FY 2025 it has risen 40.0%.

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 rentHartland, VT fair market rentVT statewide rentsWhat is SAFMR?Data sources