05665
ZIPFMR
Lamoille County, VT
BRFMR
Eff. Rent
0 BR$986$1,080
1 BR$1,066$1,170
2 BR$1,345$1,480
3 BR$1,861$1,830
4 BR$1,868$1,900
5 BR$2,148
6 BR$2,470
7 BR$2,841
8 BR$3,267

Purchase Price Calculator

Maximum purchase price
$158,011

Cost breakdown

+Likely effective rent$1,480
HUD FMR$1,345
Market rent$1,750
Est. payment standard (110%)Used$1,480
Estimated payment standard is $1,480 (110% of FMR).
-Principal and interest-$799
Loan amount$126,409
Down payment$31,602
Rate6.50%
Term30 years
-Operating costs-$481
Property taxes-$158
Insurance-$175
Utilities$0
HOA$0
Management-$148
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,878(75.6% ROI)
Projected value
$170,160
Current value$158,011
Return breakdown
Property appreciation+$12,150
Loan principal paid down+$4,529
Rental cash flow+$7,200
5-year hold
+$40,840(129.2% ROI)
Projected value
$178,775
Current value$158,011
Return breakdown
Property appreciation+$20,764
Loan principal paid down+$8,076
Rental cash flow+$12,000
10-year hold
+$87,501(276.9% ROI)
Projected value
$202,267
Current value$158,011
Return breakdown
Property appreciation+$44,256
Loan principal paid down+$19,244
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.69ratio
FMR$986
Market$1,430
vs market-$444

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

90% standard$887 / 0.62 ratio110% standard$1,085 / 0.76 ratio
0.69
1 BR
1 BR
0.73ratio
FMR$1,066
Market$1,470
vs market-$404

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

90% standard$959 / 0.65 ratio110% standard$1,173 / 0.80 ratio
0.73
2 BR
2 BR
0.77ratio
FMR$1,345
Market$1,750
vs market-$405

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

90% standard$1,211 / 0.69 ratio110% standard$1,480 / 0.85 ratio
0.77
3 BR
3 BR
1.02ratio
FMR$1,861
Market$1,830
vs market+$31

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

90% standard$1,675 / 0.92 ratio110% standard$2,047 / 1.12 ratio
1.02
4 BR
4 BR
0.98ratio
FMR$1,868
Market$1,910
vs market-$42

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

90% standard$1,681 / 0.88 ratio110% standard$2,055 / 1.08 ratio
0.98
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 05665 (VT) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled FMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

05665 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 05665 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,345 and the 4 bedroom fair market rent is $1,868.

Use this page for searches like 05665 FMR, 05665 fair market rent, and 05665 Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for 05665
Bedroom sizeHUD FMR
Studio$986
1 bedroom$1,066
2 bedroom$1,345
3 bedroom$1,861
4 bedroom$1,868