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Windsor County/Reading/05062

05062

ZIPSAFMR
Windsor County, VT
Zillow

ZIP Investment Score

58Below average

095130300
BRFMR
Eff. Rent
0 BR$1,390$1,390
1 BR$1,390$1,390
2 BR$1,640$1,640
3 BR$2,140$2,140
4 BR$2,230$2,230
5 BR$2,565Not available
6 BR$2,949Not available
7 BR$3,392Not available
8 BR$3,900Not available

Purchase Price Calculator

Maximum purchase price
$181,787

Cost breakdown

+Likely effective rent$1,640
HUD FMRUsed$1,640
Market rentN/A
Est. payment standardN/A
-Principal and interest-$919
Loan amount$145,429
Down payment$36,357
Rate6.50%
Term30 years
-Operating costs-$521
Property taxes-$182
Insurance-$175
Utilities$0
HOA$0
Management-$164
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,388(72.6% ROI)
Projected value
$195,765
Return breakdown
Property appreciation+$13,978
Loan principal paid down+$5,210
Rental cash flow+$7,200
5-year hold
+$45,180(124.3% ROI)
Projected value
$205,675
Return breakdown
Property appreciation+$23,888
Loan principal paid down+$9,292
Rental cash flow+$12,000
10-year hold
+$97,056(266.9% ROI)
Projected value
$232,703
Return breakdown
Property appreciation+$50,916
Loan principal paid down+$22,140
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 05062 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 05062 (Reading, VT) is $1,640 a month. That is up 15.5% from $1,420 in FY 2026. Reading 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, 05062 has the 22nd-highest two-bedroom rent (county range $1,300–$1,900). The median county two-bedroom FMR in Vermont is $1,570, so ZIP 05062 is 4% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 05062
BedroomsFY 2027Change90–110% range
Studio$1,390+14.9%$1,251–$1,529
1BR$1,390+13.9%$1,251–$1,529
2BR$1,640+15.5%$1,476–$1,804
3BR$2,140+15.1%$1,926–$2,354
4BR$2,230+16.1%$2,007–$2,453

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 05062
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,390$1,390$1,640$2,140$2,230
FY 2026$1,210$1,220$1,420$1,860$1,920
FY 2025$1,200$1,200$1,380$1,800$1,850
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. 05062
05053$1,740+6.1%
05055$1,740+6.1%
05056$1,690+3.0%
05059$1,670+1.8%
05060$1,420−13.4%
05061$1,540−6.1%
05062Current$1,640—
05065$1,800+9.8%
05067$1,730+5.5%
05068$1,770+7.9%
05070$1,750+6.7%
05071$1,680+2.4%

Questions about ZIP 05062 rents

How much will Section 8 pay for a two-bedroom in ZIP 05062?

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 $1,640 it would be $1,476 to $1,804. 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 05062 in?

ZIP 05062 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 05062 for FY 2027?

The two-bedroom FMR rose 15.5%, from $1,420 in FY 2026 to $1,640 in FY 2027. Since FY 2025 it has risen 18.8%.

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