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Windham County/Newfane/05345

05345

ZIPSAFMR
Windham County, VT
Zillow

ZIP Investment Score

82Below average

095130300
BRFMR
Eff. Rent
0 BR$1,620$1,620
1 BR$1,760$1,760
2 BR$2,170$2,170
3 BR$2,590$2,590
4 BR$3,280$3,280
5 BR$3,772Not available
6 BR$4,338Not available
7 BR$4,988Not available
8 BR$5,737Not available

Purchase Price Calculator

Maximum purchase price
$260,545

Cost breakdown

+Likely effective rent$2,170
HUD FMRUsed$2,170
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,317
Loan amount$208,436
Down payment$52,109
Rate6.50%
Term30 years
-Operating costs-$653
Property taxes-$261
Insurance-$175
Utilities$0
HOA$0
Management-$217
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$34,701(66.6% ROI)
Projected value
$280,578
Return breakdown
Property appreciation+$20,033
Loan principal paid down+$7,468
Rental cash flow+$7,200
5-year hold
+$59,555(114.3% ROI)
Projected value
$294,782
Return breakdown
Property appreciation+$34,238
Loan principal paid down+$13,317
Rental cash flow+$12,000
10-year hold
+$128,707(247.0% ROI)
Projected value
$333,519
Return breakdown
Property appreciation+$72,975
Loan principal paid down+$31,732
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 05345 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 05345 (Newfane, VT) is $2,170 a month. That is up 10.7% from $1,960 in FY 2026. Newfane 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, 05345 has the 2nd-highest two-bedroom rent (county range $1,290–$2,180). The median county two-bedroom FMR in Vermont is $1,570, so ZIP 05345 is 38% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 05345
BedroomsFY 2027Change90–110% range
Studio$1,620+8.7%$1,458–$1,782
1BR$1,760+10.0%$1,584–$1,936
2BR$2,170+10.7%$1,953–$2,387
3BR$2,590+10.2%$2,331–$2,849
4BR$3,280+26.2%$2,952–$3,608

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 05345
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,620$1,760$2,170$2,590$3,280
FY 2026$1,490$1,600$1,960$2,350$2,600
FY 2025$1,340$1,460$1,780$2,220$2,360
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. 05345
05341$1,650−24.0%
05342$1,630−24.9%
05343$1,470−32.3%
05344$1,650−24.0%
05345Current$2,170—
05346$1,480−31.8%
05350$1,770−18.4%
05351$1,830−15.7%
05353$1,720−20.7%
05354$1,530−29.5%
05355$1,960−9.7%
05356$1,470−32.3%

Questions about ZIP 05345 rents

How much will Section 8 pay for a two-bedroom in ZIP 05345?

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 $2,170 it would be $1,953 to $2,387. 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 05345 in?

ZIP 05345 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 05345 for FY 2027?

The two-bedroom FMR rose 10.7%, from $1,960 in FY 2026 to $2,170 in FY 2027. Since FY 2025 it has risen 21.9%.

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