15905
ZIPSAFMR
Cambria County, PA
BRFMR
Eff. Rent
0 BR$930$760
1 BR$940$810
2 BR$1,140$860
3 BR$1,570$1,030
4 BR$1,640$1,040
5 BR$1,886
6 BR$2,169
7 BR$2,494
8 BR$2,868

Purchase Price Calculator

Maximum purchase price
$65,879

Cost breakdown

+Likely effective rent$860
HUD FMR$1,140
Market rentUsed$860
Est. payment standard (90%)$1,030
Market rent is below the inferred standard ($1,030, 90% of FMR).
-Principal and interest-$333
Loan amount$52,703
Down payment$13,176
Rate6.50%
Term30 years
-Operating costs-$327
Property taxes-$66
Insurance-$175
Utilities$0
HOA$0
Management-$86
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$14,154(107.4% ROI)
Projected value
$70,945
Current value$65,879
Return breakdown
Property appreciation+$5,065
Loan principal paid down+$1,888
Rental cash flow+$7,200
5-year hold
+$24,024(182.3% ROI)
Projected value
$74,536
Current value$65,879
Return breakdown
Property appreciation+$8,657
Loan principal paid down+$3,367
Rental cash flow+$12,000
10-year hold
+$50,475(383.1% ROI)
Projected value
$84,331
Current value$65,879
Return breakdown
Property appreciation+$18,452
Loan principal paid down+$8,023
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
1.22ratio
FMR$930
Market$760
vs market+$170

FMR is above market; underwrite to market rent.

90% standard$837 / 1.10 ratio110% standard$1,023 / 1.35 ratio
1.22
1 BR
1 BR
1.16ratio
FMR$940
Market$810
vs market+$130

FMR is above market; underwrite to market rent.

90% standard$846 / 1.04 ratio110% standard$1,034 / 1.28 ratio
1.16
2 BR
2 BR
1.33ratio
FMR$1,140
Market$860
vs market+$280

FMR is above market; underwrite to market rent.

90% standard$1,026 / 1.19 ratio110% standard$1,254 / 1.46 ratio
1.33
3 BR
3 BR
1.52ratio
FMR$1,570
Market$1,030
vs market+$540

FMR is above market; underwrite to market rent.

90% standard$1,413 / 1.37 ratio110% standard$1,727 / 1.68 ratio
1.52
4 BR
4 BR
1.58ratio
FMR$1,640
Market$1,040
vs market+$600

FMR is above market; underwrite to market rent.

1.58
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom 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 15905 (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.

15905 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 15905 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,140 and the 4 bedroom fair market rent is $1,640.

Use this page for searches like 15905 FMR, 15905 fair market rent, and 15905 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 15905
Bedroom sizeHUD FMR
Studio$930
1 bedroom$940
2 bedroom$1,140
3 bedroom$1,570
4 bedroom$1,640