16601
ZIPSAFMR
Cambria County, PA
BRFMR
Eff. Rent
0 BR$780$820
1 BR$930$800
2 BR$1,110$1,020
3 BR$1,420$1,170
4 BR$1,660$970
5 BR$1,909
6 BR$2,195
7 BR$2,525
8 BR$2,903

Purchase Price Calculator

Maximum purchase price
$89,655

Cost breakdown

+Likely effective rent$1,020
HUD FMR$1,110
Market rentUsed$1,020
Est. payment standard (95%)$1,050
Market rent is below the inferred standard ($1,050, 95% of FMR).
-Principal and interest-$453
Loan amount$71,724
Down payment$17,931
Rate6.50%
Term30 years
-Operating costs-$367
Property taxes-$90
Insurance-$175
Utilities$0
HOA$0
Management-$102
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,663(92.9% ROI)
Projected value
$96,549
Current value$89,655
Return breakdown
Property appreciation+$6,894
Loan principal paid down+$2,570
Rental cash flow+$7,200
5-year hold
+$28,364(158.2% ROI)
Projected value
$101,437
Current value$89,655
Return breakdown
Property appreciation+$11,781
Loan principal paid down+$4,582
Rental cash flow+$12,000
10-year hold
+$60,030(334.8% ROI)
Projected value
$114,766
Current value$89,655
Return breakdown
Property appreciation+$25,111
Loan principal paid down+$10,919
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
0.93ratio
FMR$780
Market$840
vs market-$60

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

90% standard$702 / 0.84 ratio110% standard$858 / 1.02 ratio
0.93
1 BR
1 BR
1.16ratio
FMR$930
Market$800
vs market+$130

FMR is above market; underwrite to market rent.

90% standard$837 / 1.05 ratio110% standard$1,023 / 1.28 ratio
1.16
2 BR
2 BR
1.09ratio
FMR$1,110
Market$1,020
vs market+$90

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

90% standard$999 / 0.98 ratio110% standard$1,221 / 1.20 ratio
1.09
3 BR
3 BR
1.21ratio
FMR$1,420
Market$1,170
vs market+$250

FMR is above market; underwrite to market rent.

90% standard$1,278 / 1.09 ratio110% standard$1,562 / 1.34 ratio
1.21
4 BR
4 BR
1.71ratio
FMR$1,660
Market$970
vs market+$690

FMR is above market; underwrite to market rent.

1.71
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 16601 (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.

16601 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 16601 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 $1,660.

Use this page for searches like 16601 FMR, 16601 fair market rent, and 16601 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 16601
Bedroom sizeHUD FMR
Studio$780
1 bedroom$930
2 bedroom$1,110
3 bedroom$1,420
4 bedroom$1,660