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Orange County/East Barre/05649

05649

ZIPSAFMR
Orange County, VT
Zillow

ZIP Investment Score

96Above average

095130300
BRFMR
Eff. Rent
0 BR$1,110$1,160
1 BR$1,380$1,190
2 BR$1,590$1,670
3 BR$2,030$2,080
4 BR$2,150$2,040
5 BR$2,473Not available
6 BR$2,843Not available
7 BR$3,270Not available
8 BR$3,760Not available

Purchase Price Calculator

Maximum purchase price
$186,245

Cost breakdown

+Likely effective rent$1,670
HUD FMR$1,590
Market rent$1,720
Est. payment standard (105%)Used$1,670
-Principal and interest-$942
Loan amount$148,996
Down payment$37,249
Rate6.50%
Term30 years
-Operating costs-$528
Property taxes-$186
Insurance-$175
Utilities$0
HOA$0
Management-$167
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,859(72.1% ROI)
Projected value
$200,565
Return breakdown
Property appreciation+$14,320
Loan principal paid down+$5,338
Rental cash flow+$7,200
5-year hold
+$45,993(123.5% ROI)
Projected value
$210,719
Return breakdown
Property appreciation+$24,474
Loan principal paid down+$9,519
Rental cash flow+$12,000
10-year hold
+$98,847(265.4% ROI)
Projected value
$238,409
Return breakdown
Property appreciation+$52,164
Loan principal paid down+$22,683
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.93
1 BR
1.16
2 BR
0.92
3 BR
0.97
4 BR
1.05
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 05649 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 05649 (East Barre, VT) is $1,590 a month. That is up 16.1% from $1,370 in FY 2026. East Barre is in the Orange 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 $1,581. Among 36 ZIP codes in Orange County, 05649 is tied for the 18th-highest two-bedroom rent (county range $1,330–$2,230). The median county two-bedroom FMR in Vermont is $1,570, so ZIP 05649 is 1% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 05649
BedroomsFY 2027Change90–110% range
Studio$1,110+6.7%$999–$1,221
1BR$1,380+19.0%$1,242–$1,518
2BR$1,590+16.1%$1,431–$1,749
3BR$2,030+15.3%$1,827–$2,233
4BR$2,150+14.4%$1,935–$2,365

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 05649
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,110$1,380$1,590$2,030$2,150
FY 2026$1,040$1,160$1,370$1,760$1,880
FY 2025$1,030$1,050$1,310$1,690$1,810
FY 2024area FMR$976$1,003$1,244$1,601$1,671
FY 2023area FMR$852$857$1,125$1,427$1,511

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

Two-bedroom rent in nearby Orange County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 05649
05079$1,460−8.2%
05081$1,400−11.9%
05083$1,520−4.4%
05085$1,580−0.6%
05086$1,580−0.6%
05641$1,680+5.7%
05649Current$1,590—
05654$1,610+1.3%
05663$1,730+8.8%
05669$1,630+2.5%
05675$1,970+23.9%
05679$2,230+40.3%

Questions about ZIP 05649 rents

How much will Section 8 pay for a two-bedroom in ZIP 05649?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,581, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,423 to $1,739 a month; under the ZIP-level Small Area FMR of $1,590 it would be $1,431 to $1,749. 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 05649 in?

ZIP 05649 is in the Orange County, VT non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,581.

How much did fair market rent change in ZIP 05649 for FY 2027?

The two-bedroom FMR rose 16.1%, from $1,370 in FY 2026 to $1,590 in FY 2027. Since FY 2025 it has risen 21.4%.

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