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Washington County/Woodbury/05681

05681

ZIPSAFMR
Washington County, VT
Zillow

ZIP Investment Score

68Below average

095130300
BRFMR
Eff. Rent
0 BR$1,410$1,410
1 BR$1,510$1,510
2 BR$1,900$1,900
3 BR$2,440$2,440
4 BR$2,680$2,680
5 BR$3,082Not available
6 BR$3,544Not available
7 BR$4,076Not available
8 BR$4,687Not available

Purchase Price Calculator

Maximum purchase price
$220,423

Cost breakdown

+Likely effective rent$1,900
HUD FMRUsed$1,900
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,115
Loan amount$176,338
Down payment$44,085
Rate6.50%
Term30 years
-Operating costs-$585
Property taxes-$220
Insurance-$175
Utilities$0
HOA$0
Management-$190
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,466(69.1% ROI)
Projected value
$237,371
Return breakdown
Property appreciation+$16,948
Loan principal paid down+$6,318
Rental cash flow+$7,200
5-year hold
+$52,232(118.5% ROI)
Projected value
$249,388
Return breakdown
Property appreciation+$28,965
Loan principal paid down+$11,266
Rental cash flow+$12,000
10-year hold
+$112,583(255.4% ROI)
Projected value
$282,160
Return breakdown
Property appreciation+$61,737
Loan principal paid down+$26,846
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 05681 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 05681 (Woodbury, VT) is $1,900 a month. That is up 19.5% from $1,590 in FY 2026. Woodbury is in the Washington 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 $1,783. Among 33 ZIP codes in Washington County, 05681 has the 9th-highest two-bedroom rent (county range $1,340–$2,670). The median county two-bedroom FMR in Vermont is $1,570, so ZIP 05681 is 21% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 05681
BedroomsFY 2027Change90–110% range
Studio$1,410+13.7%$1,269–$1,551
1BR$1,510+20.8%$1,359–$1,661
2BR$1,900+19.5%$1,710–$2,090
3BR$2,440+20.8%$2,196–$2,684
4BR$2,680+23.5%$2,412–$2,948

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 05681
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,410$1,510$1,900$2,440$2,680
FY 2026$1,240$1,250$1,590$2,020$2,170
FY 2025$1,170$1,170$1,500$1,910$2,110
FY 2024area FMR$985$1,106$1,453$1,832$1,975
FY 2023area FMR$839$953$1,255$1,584$1,690

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

Two-bedroom rent in nearby Washington County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 05681
05667$1,800−5.3%
05669$1,630−14.2%
05670$1,680−11.6%
05671$1,780−6.3%
05673$2,390+25.8%
05674$2,410+26.8%
05676$2,160+13.7%
05677$2,030+6.8%
05678$1,660−12.6%
05680$1,450−23.7%
05681Current$1,900—
05682$1,650−13.2%

Questions about ZIP 05681 rents

How much will Section 8 pay for a two-bedroom in ZIP 05681?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,783, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,605 to $1,961 a month; under the ZIP-level Small Area FMR of $1,900 it would be $1,710 to $2,090. 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 05681 in?

ZIP 05681 is in the Washington County, VT non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,783.

How much did fair market rent change in ZIP 05681 for FY 2027?

The two-bedroom FMR rose 19.5%, from $1,590 in FY 2026 to $1,900 in FY 2027. Since FY 2025 it has risen 26.7%.

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