Addison County/New Haven/05472

05472

ZIPSAFMR

Addison County, VT

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ZIP Investment Score

65Below average

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$1,170	$1,290	4.8%
1 BR	$1,330	$1,460	7.8%
2 BR	$1,680	$1,850	8.0%
3 BR	$2,010	$2,210	4.9%
4 BR	$2,810	$2,610	16.6%
5 BR	$3,231	Not available	16.6%
6 BR	$3,716	Not available	16.6%
7 BR	$4,274	Not available	16.6%
8 BR	$4,915	Not available	16.6%

Purchase Price Calculator

Maximum purchase price

$212,993

Cost breakdown

+Likely effective rent$1,850

HUD FMR$1,680

Market rent$2,350

Est. payment standard (110%)Used$1,850

-Principal and interest-$1,077

Loan amount$170,394

Down payment$42,599

Rate6.50%

Term30 years

-Operating costs-$573

Property taxes-$213

Insurance-$175

Utilities$0

HOA$0

Management-$185

=Target cash flow+$200

Calculation mode

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

Hold period projections

Annual appreciation rate

3-year hold

+$29,682(69.7% ROI)

Projected value

$229,370

Return breakdown

Property appreciation+$16,377

Loan principal paid down+$6,105

Rental cash flow+$7,200

5-year hold

+$50,876(119.4% ROI)

Projected value

$240,982

Return breakdown

Property appreciation+$27,989

Loan principal paid down+$10,887

Rental cash flow+$12,000

10-year hold

+$109,597(257.3% ROI)

Projected value

$272,649

Return breakdown

Property appreciation+$59,656

Loan principal paid down+$25,941

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

0.56ratio

FMR$1,170

Market$2,100

vs market-$930

FMR is below market; voucher rent may lag private rents.

0.56

1 BR

0.62ratio

FMR$1,330

Market$2,160

vs market-$830

FMR is below market; voucher rent may lag private rents.

0.62

2 BR

0.71ratio

FMR$1,680

Market$2,350

vs market-$670

FMR is below market; voucher rent may lag private rents.

0.71

3 BR

0.81ratio

FMR$2,010

Market$2,470

vs market-$460

FMR is below market; voucher rent may lag private rents.

0.81

4 BR

1.08ratio

FMR$2,810

Market$2,610

vs market+$200

FMR is near market; voucher and private rents are aligned.

1.08

0.700.800.901.001.101.201.30aligned range

Historical

FY 2023-2027

FMR: FY2027
Market rent: last ~365 days
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 05472 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 05472 (New Haven, VT) is $1,680 a month. That is up 13.5% from $1,480 in FY 2026. New Haven is in the Addison 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 $1,636. Among 24 ZIP codes in Addison County, 05472 has the 8th-highest two-bedroom rent (county range $1,300–$2,450). The median county two-bedroom FMR in Vermont is $1,570, so ZIP 05472 is 7% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 05472
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$1,150	$1,170	+1.7%	$1,053–$1,287
1BR	$1,160	$1,330	+14.7%	$1,197–$1,463
2BR	$1,480	$1,680	+13.5%	$1,512–$1,848
3BR	$1,810	$2,010	+11.0%	$1,809–$2,211
4BR	$2,180	$2,810	+28.9%	$2,529–$3,091

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 05472
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$1,170	$1,330	$1,680	$2,010	$2,810
FY 2026	$1,150	$1,160	$1,480	$1,810	$2,180
FY 2025	$1,140	$1,150	$1,470	$1,840	$2,080
FY 2024area FMR	$1,017	$1,062	$1,332	$1,741	$1,774
FY 2023area FMR	$842	$947	$1,192	$1,549	$1,601

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

Two-bedroom rent in nearby Addison County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 05472
05443	$1,670	−0.6%
05445	$2,020	+20.2%
05456	$1,930	+14.9%
05461	$2,200	+31.0%
05462	$2,120	+26.2%
05469	$1,640	−2.4%
05472Current	$1,680	—
05473	$2,110	+25.6%
05487	$1,930	+14.9%
05491	$1,670	−0.6%
05669	$1,630	−3.0%
05733	$1,660	−1.2%

Questions about ZIP 05472 rents

How much will Section 8 pay for a two-bedroom in ZIP 05472?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,636, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,472 to $1,800 a month; under the ZIP-level Small Area FMR of $1,680 it would be $1,512 to $1,848. 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 05472 in?

ZIP 05472 is in the Addison County, VT non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,636.

How much did fair market rent change in ZIP 05472 for FY 2027?

The two-bedroom FMR rose 13.5%, from $1,480 in FY 2026 to $1,680 in FY 2027. Since FY 2025 it has risen 14.3%.

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 rent New Haven, VT fair market rent VT statewide rents What is SAFMR?Data sources