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Lamoille County/Wolcott/05680

05680

ZIPSAFMR
Lamoille County, VT
Zillow

ZIP Investment Score

67Below average

095130300
BRFMR
Eff. Rent
0 BR$1,160$1,160
1 BR$1,170$1,170
2 BR$1,450$1,450
3 BR$2,010$2,010
4 BR$2,010$2,010
5 BR$2,312Not available
6 BR$2,658Not available
7 BR$3,057Not available
8 BR$3,516Not available

Purchase Price Calculator

Maximum purchase price
$153,553

Cost breakdown

+Likely effective rent$1,450
HUD FMRUsed$1,450
Market rentN/A
Est. payment standardN/A
-Principal and interest-$776
Loan amount$122,842
Down payment$30,711
Rate6.50%
Term30 years
-Operating costs-$474
Property taxes-$154
Insurance-$175
Utilities$0
HOA$0
Management-$145
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,408(76.2% ROI)
Projected value
$165,360
Return breakdown
Property appreciation+$11,807
Loan principal paid down+$4,401
Rental cash flow+$7,200
5-year hold
+$40,027(130.3% ROI)
Projected value
$173,731
Return breakdown
Property appreciation+$20,178
Loan principal paid down+$7,848
Rental cash flow+$12,000
10-year hold
+$85,709(279.1% ROI)
Projected value
$196,561
Return breakdown
Property appreciation+$43,008
Loan principal paid down+$18,701
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 05680 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 05680 (Wolcott, VT) is $1,450 a month. That is up 13.3% from $1,280 in FY 2026. Wolcott 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, 05680 has the 10th-highest two-bedroom rent (county range $1,290–$2,300). The median county two-bedroom FMR in Vermont is $1,570, so ZIP 05680 is 8% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 05680
BedroomsFY 2027Change90–110% range
Studio$1,160+19.6%$1,044–$1,276
1BR$1,170+15.8%$1,053–$1,287
2BR$1,450+13.3%$1,305–$1,595
3BR$2,010+13.6%$1,809–$2,211
4BR$2,010+12.9%$1,809–$2,211

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 05680
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,160$1,170$1,450$2,010$2,010
FY 2026$970$1,010$1,280$1,770$1,780
FY 2025$890$1,000$1,310$1,680$1,780
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. 05680
05489$1,930+33.1%
05492$1,350−6.9%
05652$1,970+35.9%
05653$1,310−9.7%
05655$1,290−11.0%
05656$1,350−6.9%
05661$1,580+9.0%
05662$1,540+6.2%
05672$1,720+18.6%
05680Current$1,450—
05826$1,960+35.2%
05843$1,340−7.6%

Questions about ZIP 05680 rents

How much will Section 8 pay for a two-bedroom in ZIP 05680?

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 $1,450 it would be $1,305 to $1,595. 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 05680 in?

ZIP 05680 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 05680 for FY 2027?

The two-bedroom FMR rose 13.3%, from $1,280 in FY 2026 to $1,450 in FY 2027. Since FY 2025 it has risen 10.7%.

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