15239
ZIPSAFMR
Westmoreland County, PA
BRFMR
Eff. Rent
0 BR$1,100$1,170
1 BR$1,190$1,210
2 BR$1,430$1,480
3 BR$1,830$1,820
4 BR$1,970$2,170
5 BR$2,266
6 BR$2,605
7 BR$2,996
8 BR$3,446

Purchase Price Calculator

Maximum purchase price
$158,011

Cost breakdown

+Likely effective rent$1,480
HUD FMR$1,430
Market rent$1,500
Est. payment standard (103%)Used$1,480
Estimated payment standard is $1,480 (103% 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
0.92ratio
FMR$1,100
Market$1,200
vs market-$100

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

90% standard$990 / 0.82 ratio110% standard$1,210 / 1.01 ratio
0.92
1 BR
1 BR
0.98ratio
FMR$1,190
Market$1,220
vs market-$30

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

90% standard$1,071 / 0.88 ratio110% standard$1,309 / 1.07 ratio
0.98
2 BR
2 BR
0.95ratio
FMR$1,430
Market$1,500
vs market-$70

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

90% standard$1,287 / 0.86 ratio110% standard$1,573 / 1.05 ratio
0.95
3 BR
3 BR
1.01ratio
FMR$1,830
Market$1,820
vs market+$10

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

90% standard$1,647 / 0.90 ratio110% standard$2,013 / 1.11 ratio
1.01
4 BR
4 BR
0.68ratio
FMR$1,970
Market$2,900
vs market-$930

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

90% standard$1,773 / 0.61 ratio110% standard$2,167 / 0.75 ratio
0.68
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 15239 (PA) 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 SAFMR 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.

15239 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 15239 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,430 and the 4 bedroom fair market rent is $1,970.

Use this page for searches like 15239 FMR, 15239 fair market rent, and 15239 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 15239
Bedroom sizeHUD FMR
Studio$1,100
1 bedroom$1,190
2 bedroom$1,430
3 bedroom$1,830
4 bedroom$1,970