Skip to main content
Loading page
Windham County/West Wardsboro/05360

05360

ZIPSAFMR
Windham County, VT
Zillow

ZIP Investment Score

80Below average

095130300
BRFMR
Eff. Rent
0 BR$1,630$1,630
1 BR$1,770$1,770
2 BR$2,180$2,180
3 BR$2,600$2,600
4 BR$3,290$3,290
5 BR$3,783Not available
6 BR$4,351Not available
7 BR$5,004Not available
8 BR$5,754Not available

Purchase Price Calculator

Maximum purchase price
$262,031

Cost breakdown

+Likely effective rent$2,180
HUD FMRUsed$2,180
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,325
Loan amount$209,624
Down payment$52,406
Rate6.50%
Term30 years
-Operating costs-$655
Property taxes-$262
Insurance-$175
Utilities$0
HOA$0
Management-$218
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$34,858(66.5% ROI)
Projected value
$282,178
Return breakdown
Property appreciation+$20,148
Loan principal paid down+$7,510
Rental cash flow+$7,200
5-year hold
+$59,826(114.2% ROI)
Projected value
$296,464
Return breakdown
Property appreciation+$34,433
Loan principal paid down+$13,393
Rental cash flow+$12,000
10-year hold
+$129,304(246.7% ROI)
Projected value
$335,421
Return breakdown
Property appreciation+$73,391
Loan principal paid down+$31,913
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 05360 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 05360 (West Wardsboro, VT) is $2,180 a month. That is up 42.5% from $1,530 in FY 2026. West Wardsboro 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, 05360 has the highest two-bedroom rent (county range $1,290–$2,180). The median county two-bedroom FMR in Vermont is $1,570, so ZIP 05360 is 39% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 05360
BedroomsFY 2027Change90–110% range
Studio$1,630+39.3%$1,467–$1,793
1BR$1,770+39.4%$1,593–$1,947
2BR$2,180+42.5%$1,962–$2,398
3BR$2,600+36.8%$2,340–$2,860
4BR$3,290+53.7%$2,961–$3,619

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 05360
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,630$1,770$2,180$2,600$3,290
FY 2026$1,170$1,270$1,530$1,900$2,140
FY 2025$1,080$1,180$1,440$1,790$1,900
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. 05360
05351$1,830−16.1%
05353$1,720−21.1%
05354$1,530−29.8%
05355$1,960−10.1%
05356$1,470−32.6%
05357$1,610−26.1%
05358$1,650−24.3%
05359$1,580−27.5%
05360Current$2,180—
05361$1,550−28.9%
05362$2,020−7.3%
05363$1,520−30.3%

Questions about ZIP 05360 rents

How much will Section 8 pay for a two-bedroom in ZIP 05360?

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 $2,180 it would be $1,962 to $2,398. 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 05360 in?

ZIP 05360 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 05360 for FY 2027?

The two-bedroom FMR rose 42.5%, from $1,530 in FY 2026 to $2,180 in FY 2027. Since FY 2025 it has risen 51.4%.

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