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15760

ZIPSAFMR
Cambria County, PA
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$920$920
1 BR$930$930
2 BR$1,120$1,120
3 BR$1,560$1,560
4 BR$1,590$1,590
5 BR$1,828Not available
6 BR$2,103Not available
7 BR$2,418Not available
8 BR$2,781Not available

Purchase Price Calculator

Maximum purchase price
$104,515

Cost breakdown

+Likely effective rent$1,120
HUD FMRUsed$1,120
Market rentN/A
Est. payment standardN/A
-Principal and interest-$528
Loan amount$83,612
Down payment$20,903
Rate6.50%
Term30 years
-Operating costs-$392
Property taxes-$105
Insurance-$175
Utilities$0
HOA$0
Management-$112
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$18,232(87.2% ROI)
Projected value
$112,551
Return breakdown
Property appreciation+$8,036
Loan principal paid down+$2,996
Rental cash flow+$7,200
5-year hold
+$31,076(148.7% ROI)
Projected value
$118,249
Return breakdown
Property appreciation+$13,734
Loan principal paid down+$5,342
Rental cash flow+$12,000
10-year hold
+$66,002(315.8% ROI)
Projected value
$133,788
Return breakdown
Property appreciation+$29,273
Loan principal paid down+$12,729
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 15760 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 15760 (Marsteller, PA) is $1,120 a month. That is up 5.7% from $1,060 in FY 2026. Marsteller is in the Johnstown, PA MSA. 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 metro-wide two-bedroom FMR of $1,014. Among 58 ZIP codes in Cambria County, 15760 is tied for the 11th-highest two-bedroom rent (county range $1,010–$1,520). The median county two-bedroom FMR in Pennsylvania is $1,136, so ZIP 15760 is 1% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 15760
BedroomsFY 2027Change90–110% range
Studio$920+7.0%$828–$1,012
1BR$930+6.9%$837–$1,023
2BR$1,120+5.7%$1,008–$1,232
3BR$1,560+6.8%$1,404–$1,716
4BR$1,590+3.9%$1,431–$1,749

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 15760
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$920$930$1,120$1,560$1,590
FY 2026$860$870$1,060$1,460$1,530
FY 2025$750$750$930$1,250$1,370
FY 2024$660$670$850$1,110$1,250
FY 2023$640$640$820$1,050$1,200

Two-bedroom rent in nearby Cambria County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 15760
15714$1,010−9.8%
15722$1,010−9.8%
15724$1,010−9.8%
15737$1,010−9.8%
15738$1,010−9.8%
15760Current$1,120—
15762$1,300+16.1%
15773$1,010−9.8%
15775$1,090−2.7%
15901$1,010−9.8%
15902$1,010−9.8%
15904$1,1200.0%

Questions about ZIP 15760 rents

How much will Section 8 pay for a two-bedroom in ZIP 15760?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-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 $1,120 it would be $1,008 to $1,232. 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 15760 in?

ZIP 15760 is in the Johnstown, PA MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,014.

How much did fair market rent change in ZIP 15760 for FY 2027?

The two-bedroom FMR rose 5.7%, from $1,060 in FY 2026 to $1,120 in FY 2027. Since FY 2023 it has risen 36.6%.

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