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Lamoille County/Belvidere Center/05442

05442

ZIPSAFMR
Lamoille County, VT
Zillow

ZIP Investment Score

129Above average

095130300
BRFMR
Eff. Rent
0 BR$1,840$1,840
1 BR$1,850$1,850
2 BR$2,300$2,300
3 BR$3,180$3,180
4 BR$3,190$3,190
5 BR$3,668Not available
6 BR$4,219Not available
7 BR$4,852Not available
8 BR$5,579Not available

Purchase Price Calculator

Maximum purchase price
$279,863

Cost breakdown

+Likely effective rent$2,300
HUD FMRUsed$2,300
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,415
Loan amount$223,890
Down payment$55,973
Rate6.50%
Term30 years
-Operating costs-$685
Property taxes-$280
Insurance-$175
Utilities$0
HOA$0
Management-$230
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$36,740(65.6% ROI)
Projected value
$301,381
Return breakdown
Property appreciation+$21,519
Loan principal paid down+$8,021
Rental cash flow+$7,200
5-year hold
+$63,081(112.7% ROI)
Projected value
$316,639
Return breakdown
Property appreciation+$36,776
Loan principal paid down+$14,304
Rental cash flow+$12,000
10-year hold
+$136,470(243.8% ROI)
Projected value
$358,248
Return breakdown
Property appreciation+$78,385
Loan principal paid down+$34,085
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 05442 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 05442 (Belvidere Center, VT) is $2,300 a month. That is up 13.9% from $2,020 in FY 2026. Belvidere Center is in the Lamoille 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 $1,535. Among 15 ZIP codes in Lamoille County, 05442 has the highest two-bedroom rent (county range $1,290–$2,300). The median county two-bedroom FMR in Vermont is $1,570, so ZIP 05442 is 47% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 05442
BedroomsFY 2027Change90–110% range
Studio$1,840+24.3%$1,656–$2,024
1BR$1,850+15.6%$1,665–$2,035
2BR$2,300+13.9%$2,070–$2,530
3BR$3,180+13.6%$2,862–$3,498
4BR$3,190+13.5%$2,871–$3,509

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 05442
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,840$1,850$2,300$3,180$3,190
FY 2026$1,480$1,600$2,020$2,800$2,810
FY 2025$960$1,060$1,380$1,840$1,860
FY 2024area FMR$913$983$1,291$1,713$1,719
FY 2023area FMR$874$880$1,158$1,544$1,556

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

Two-bedroom rent in nearby Lamoille County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 05442
05442Current$2,300—
05444$1,930−16.1%
05464$1,930−16.1%
05489$1,930−16.1%
05492$1,350−41.3%
05652$1,970−14.3%
05653$1,310−43.0%
05655$1,290−43.9%
05656$1,350−41.3%
05661$1,580−31.3%
05662$1,540−33.0%
05672$1,720−25.2%

Questions about ZIP 05442 rents

How much will Section 8 pay for a two-bedroom in ZIP 05442?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,535, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,382 to $1,689 a month; under the ZIP-level Small Area FMR of $2,300 it would be $2,070 to $2,530. 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 05442 in?

ZIP 05442 is in the Lamoille County, VT non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,535.

How much did fair market rent change in ZIP 05442 for FY 2027?

The two-bedroom FMR rose 13.9%, from $2,020 in FY 2026 to $2,300 in FY 2027. Since FY 2025 it has risen 66.7%.

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