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15520

ZIPSAFMR
Somerset County, PA
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$820$820
1 BR$930$930
2 BR$1,110$1,110
3 BR$1,480$1,480
4 BR$1,720$1,720
5 BR$1,978Not available
6 BR$2,275Not available
7 BR$2,616Not available
8 BR$3,008Not available

Purchase Price Calculator

Maximum purchase price
$103,029

Cost breakdown

+Likely effective rent$1,110
HUD FMRUsed$1,110
Market rentN/A
Est. payment standardN/A
-Principal and interest-$521
Loan amount$82,423
Down payment$20,606
Rate6.50%
Term30 years
-Operating costs-$389
Property taxes-$103
Insurance-$175
Utilities$0
HOA$0
Management-$111
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$18,075(87.7% ROI)
Projected value
$110,951
Return breakdown
Property appreciation+$7,922
Loan principal paid down+$2,953
Rental cash flow+$7,200
5-year hold
+$30,805(149.5% ROI)
Projected value
$116,568
Return breakdown
Property appreciation+$13,539
Loan principal paid down+$5,266
Rental cash flow+$12,000
10-year hold
+$65,405(317.4% ROI)
Projected value
$131,886
Return breakdown
Property appreciation+$28,857
Loan principal paid down+$12,548
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
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Tax rate
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Mortgage rate
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ZIP 15520 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 15520 (Acosta, PA) is $1,110 a month. That is up 14.4% from $970 in FY 2026. Acosta is in the Somerset County, PA 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 $1,014. Among 47 ZIP codes in Somerset County, 15520 is tied for the 10th-highest two-bedroom rent (county range $1,010–$1,470). The median county two-bedroom FMR in Pennsylvania is $1,136, so ZIP 15520 is 2% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 15520
BedroomsFY 2027Change90–110% range
Studio$820−1.2%$738–$902
1BR$930+12.0%$837–$1,023
2BR$1,110+14.4%$999–$1,221
3BR$1,480+13.0%$1,332–$1,628
4BR$1,720+17.0%$1,548–$1,892

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 15520
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$820$930$1,110$1,480$1,720
FY 2026$830$830$970$1,310$1,470
FY 2025$780$790$910$1,230$1,320
FY 2024area FMR$728$732$845$1,158$1,235
FY 2023area FMR$699$703$821$1,116$1,220

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

Two-bedroom rent in nearby Somerset County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 15520
15501$1,010−9.0%
15502$1,010−9.0%
15510$1,010−9.0%
15520Current$1,110—
15530$1,010−9.0%
15531$1,170+5.4%
15532$1,040−6.3%
15534$1,010−9.0%
15538$1,010−9.0%
15540$1,060−4.5%
15541$1,130+1.8%
15542$1,140+2.7%

Questions about ZIP 15520 rents

How much will Section 8 pay for a two-bedroom in ZIP 15520?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,014, which applies unless the housing authority uses Small Area FMRs, that basic range is $913 to $1,115 a month; under the ZIP-level Small Area FMR of $1,110 it would be $999 to $1,221. 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 15520 in?

ZIP 15520 is in the Somerset County, PA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,014.

How much did fair market rent change in ZIP 15520 for FY 2027?

The two-bedroom FMR rose 14.4%, from $970 in FY 2026 to $1,110 in FY 2027. Since FY 2025 it has risen 22.0%.

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