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Grand Isle County/Isle La Motte/05463

05463

ZIPSAFMR
Grand Isle County, VT
Zillow

ZIP Investment Score

129Above average

095130300
BRFMR
Eff. Rent
0 BR$1,470$1,470
1 BR$1,620$1,620
2 BR$2,050$2,050
3 BR$2,580$2,580
4 BR$2,690$2,690
5 BR$3,093Not available
6 BR$3,558Not available
7 BR$4,091Not available
8 BR$4,705Not available

Purchase Price Calculator

Maximum purchase price
$242,713

Cost breakdown

+Likely effective rent$2,050
HUD FMRUsed$2,050
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,227
Loan amount$194,170
Down payment$48,543
Rate6.50%
Term30 years
-Operating costs-$623
Property taxes-$243
Insurance-$175
Utilities$0
HOA$0
Management-$205
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,819(67.6% ROI)
Projected value
$261,375
Return breakdown
Property appreciation+$18,662
Loan principal paid down+$6,957
Rental cash flow+$7,200
5-year hold
+$56,300(116.0% ROI)
Projected value
$274,607
Return breakdown
Property appreciation+$31,894
Loan principal paid down+$12,406
Rental cash flow+$12,000
10-year hold
+$121,540(250.4% ROI)
Projected value
$310,693
Return breakdown
Property appreciation+$67,980
Loan principal paid down+$29,560
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 05463 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 05463 (Isle La Motte, VT) is $2,050 a month. That is up 6.2% from $1,930 in FY 2026. Isle La Motte is in the Burlington-South Burlington, VT MSA. 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 metro-wide two-bedroom FMR of $2,165. Among 5 ZIP codes in Grand Isle County, 05463 has the 2nd-highest two-bedroom rent (county range $1,930–$2,210). The median county two-bedroom FMR in Vermont is $1,570, so ZIP 05463 is 31% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 05463
BedroomsFY 2027Change90–110% range
Studio$1,470+8.9%$1,323–$1,617
1BR$1,620+8.7%$1,458–$1,782
2BR$2,050+6.2%$1,845–$2,255
3BR$2,580+4.0%$2,322–$2,838
4BR$2,690+5.1%$2,421–$2,959

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 05463
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,470$1,620$2,050$2,580$2,690
FY 2026$1,350$1,490$1,930$2,480$2,560
FY 2025$1,210$1,300$1,700$2,160$2,270
FY 2024$1,030$1,120$1,460$1,800$1,960
FY 2023$930$1,050$1,350$1,670$1,840

Two-bedroom rent in nearby Grand Isle County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 05463
05440$1,950−4.9%
05458$1,930−5.9%
05463Current$2,050—
05474$2,210+7.8%
05486$1,990−2.9%

Questions about ZIP 05463 rents

How much will Section 8 pay for a two-bedroom in ZIP 05463?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,165, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,949 to $2,382 a month; under the ZIP-level Small Area FMR of $2,050 it would be $1,845 to $2,255. 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 05463 in?

ZIP 05463 is in the Burlington-South Burlington, VT MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,165.

How much did fair market rent change in ZIP 05463 for FY 2027?

The two-bedroom FMR rose 6.2%, from $1,930 in FY 2026 to $2,050 in FY 2027. Since FY 2023 it has risen 51.9%.

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 rentIsle La Motte, VT fair market rentVT statewide rentsWhat is SAFMR?Data sources