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Windsor County/Plymouth/05056

05056

ZIPSAFMR
Windsor County, VT
Zillow

ZIP Investment Score

46Below average

095130300
BRFMR
Eff. Rent
0 BR$1,430$1,430
1 BR$1,440$1,440
2 BR$1,690$1,690
3 BR$2,210$2,210
4 BR$2,310$2,310
5 BR$2,657Not available
6 BR$3,055Not available
7 BR$3,513Not available
8 BR$4,040Not available

Purchase Price Calculator

Maximum purchase price
$189,217

Cost breakdown

+Likely effective rent$1,690
HUD FMRUsed$1,690
Market rentN/A
Est. payment standardN/A
-Principal and interest-$957
Loan amount$151,373
Down payment$37,843
Rate6.50%
Term30 years
-Operating costs-$533
Property taxes-$189
Insurance-$175
Utilities$0
HOA$0
Management-$169
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,172(71.8% ROI)
Projected value
$203,766
Return breakdown
Property appreciation+$14,549
Loan principal paid down+$5,423
Rental cash flow+$7,200
5-year hold
+$46,536(123.0% ROI)
Projected value
$214,081
Return breakdown
Property appreciation+$24,865
Loan principal paid down+$9,671
Rental cash flow+$12,000
10-year hold
+$100,042(264.4% ROI)
Projected value
$242,214
Return breakdown
Property appreciation+$52,997
Loan principal paid down+$23,045
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
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Tax rate
--
Mortgage rate
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ZIP 05056 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 05056 (Plymouth, VT) is $1,690 a month. That is up 18.2% from $1,430 in FY 2026. Plymouth 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, 05056 has the 16th-highest two-bedroom rent (county range $1,300–$1,900). The median county two-bedroom FMR in Vermont is $1,570, so ZIP 05056 is 8% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 05056
BedroomsFY 2027Change90–110% range
Studio$1,430+17.2%$1,287–$1,573
1BR$1,440+17.1%$1,296–$1,584
2BR$1,690+18.2%$1,521–$1,859
3BR$2,210+18.2%$1,989–$2,431
4BR$2,310+19.1%$2,079–$2,541

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 05056
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,430$1,440$1,690$2,210$2,310
FY 2026$1,220$1,230$1,430$1,870$1,940
FY 2025$1,210$1,210$1,400$1,820$1,870
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. 05056
05047$1,560−7.7%
05048$1,680−0.6%
05049$1,560−7.7%
05052$1,820+7.7%
05053$1,740+3.0%
05055$1,740+3.0%
05056Current$1,690—
05059$1,670−1.2%
05060$1,420−16.0%
05061$1,540−8.9%
05062$1,640−3.0%
05065$1,800+6.5%

Questions about ZIP 05056 rents

How much will Section 8 pay for a two-bedroom in ZIP 05056?

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 $1,690 it would be $1,521 to $1,859. 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 05056 in?

ZIP 05056 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 05056 for FY 2027?

The two-bedroom FMR rose 18.2%, from $1,430 in FY 2026 to $1,690 in FY 2027. Since FY 2025 it has risen 20.7%.

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