15685
ZIPSAFMR
Westmoreland County, PA
BRFMR
Eff. Rent
0 BR$860$910
1 BR$920$950
2 BR$1,110$1,040
3 BR$1,420$1,080
4 BR$1,530$1,120
5 BR$1,759
6 BR$2,023
7 BR$2,327
8 BR$2,676

Purchase Price Calculator

Maximum purchase price
$92,627

Cost breakdown

+Likely effective rent$1,040
HUD FMR$1,110
Market rentUsed$1,040
Est. payment standard (96%)$1,060
Market rent is below the inferred standard ($1,060, 96% of FMR).
-Principal and interest-$468
Loan amount$74,102
Down payment$18,525
Rate6.50%
Term30 years
-Operating costs-$372
Property taxes-$93
Insurance-$175
Utilities$0
HOA$0
Management-$104
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,977(91.6% ROI)
Projected value
$99,749
Current value$92,627
Return breakdown
Property appreciation+$7,122
Loan principal paid down+$2,655
Rental cash flow+$7,200
5-year hold
+$28,906(156.0% ROI)
Projected value
$104,799
Current value$92,627
Return breakdown
Property appreciation+$12,172
Loan principal paid down+$4,734
Rental cash flow+$12,000
10-year hold
+$61,225(330.5% ROI)
Projected value
$118,570
Current value$92,627
Return breakdown
Property appreciation+$25,943
Loan principal paid down+$11,281
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$860
Market$930
vs market-$70

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

90% standard$774 / 0.83 ratio110% standard$946 / 1.02 ratio
0.92
1 BR
1 BR
0.95ratio
FMR$920
Market$970
vs market-$50

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

90% standard$828 / 0.85 ratio110% standard$1,012 / 1.04 ratio
0.95
2 BR
2 BR
1.07ratio
FMR$1,110
Market$1,040
vs market+$70

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

90% standard$999 / 0.96 ratio110% standard$1,221 / 1.17 ratio
1.07
3 BR
3 BR
1.31ratio
FMR$1,420
Market$1,080
vs market+$340

FMR is above market; underwrite to market rent.

90% standard$1,278 / 1.18 ratio110% standard$1,562 / 1.45 ratio
1.31
4 BR
4 BR
1.37ratio
FMR$1,530
Market$1,120
vs market+$410

FMR is above market; underwrite to market rent.

90% standard$1,377 / 1.23 ratio110% standard$1,683 / 1.50 ratio
1.37
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 15685 (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.

15685 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 15685 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,110 and the 4 bedroom fair market rent is $1,530.

Use this page for searches like 15685 FMR, 15685 fair market rent, and 15685 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 15685
Bedroom sizeHUD FMR
Studio$860
1 bedroom$920
2 bedroom$1,110
3 bedroom$1,420
4 bedroom$1,530