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Windham County/Chester/05143

05143

ZIPSAFMR
Windham County, VT
Zillow

ZIP Investment Score

53Below average

095130300
BRFMR
Eff. Rent
0 BR$1,180$1,180
1 BR$1,190$1,190
2 BR$1,400$1,400
3 BR$1,830$1,830
4 BR$1,930$1,930
5 BR$2,220Not available
6 BR$2,552Not available
7 BR$2,935Not available
8 BR$3,376Not available

Purchase Price Calculator

Maximum purchase price
$146,123

Cost breakdown

+Likely effective rent$1,400
HUD FMRUsed$1,400
Market rentN/A
Est. payment standardN/A
-Principal and interest-$739
Loan amount$116,898
Down payment$29,225
Rate6.50%
Term30 years
-Operating costs-$461
Property taxes-$146
Insurance-$175
Utilities$0
HOA$0
Management-$140
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,624(77.4% ROI)
Projected value
$157,358
Return breakdown
Property appreciation+$11,235
Loan principal paid down+$4,188
Rental cash flow+$7,200
5-year hold
+$38,670(132.3% ROI)
Projected value
$165,325
Return breakdown
Property appreciation+$19,202
Loan principal paid down+$7,469
Rental cash flow+$12,000
10-year hold
+$82,723(283.1% ROI)
Projected value
$187,050
Return breakdown
Property appreciation+$40,927
Loan principal paid down+$17,796
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
--
Tax rate
--
Mortgage rate
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ZIP 05143 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 05143 (Chester, VT) is $1,400 a month. That is up 10.2% from $1,270 in FY 2026. Chester is in the Windham 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 $1,605. Among 29 ZIP codes in Windham County, 05143 is tied for the 27th-highest two-bedroom rent (county range $1,290–$2,180). The median county two-bedroom FMR in Vermont is $1,570, so ZIP 05143 is 11% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 05143
BedroomsFY 2027Change90–110% range
Studio$1,180+9.3%$1,062–$1,298
1BR$1,190+9.2%$1,071–$1,309
2BR$1,400+10.2%$1,260–$1,540
3BR$1,830+10.2%$1,647–$2,013
4BR$1,930+12.2%$1,737–$2,123

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 05143
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,180$1,190$1,400$1,830$1,930
FY 2026$1,080$1,090$1,270$1,660$1,720
FY 2025$1,120$1,130$1,300$1,690$1,740
FY 2024area FMR$976$1,091$1,340$1,655$1,785
FY 2023area FMR$803$945$1,150$1,426$1,545

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

Two-bedroom rent in nearby Windham County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 05143
05101$1,570+12.1%
05141$1,530+9.3%
05143Current$1,400—
05146$1,690+20.7%
05148$1,590+13.6%
05154$1,630+16.4%
05155$1,690+20.7%
05156$1,4000.0%
05158$1,290−7.9%
05301$1,650+17.9%
05341$1,650+17.9%
05342$1,630+16.4%

Questions about ZIP 05143 rents

How much will Section 8 pay for a two-bedroom in ZIP 05143?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,605, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,445 to $1,766 a month; under the ZIP-level Small Area FMR of $1,400 it would be $1,260 to $1,540. 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 05143 in?

ZIP 05143 is in the Windham County, VT non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,605.

How much did fair market rent change in ZIP 05143 for FY 2027?

The two-bedroom FMR rose 10.2%, from $1,270 in FY 2026 to $1,400 in FY 2027. Since FY 2025 it has risen 7.7%.

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