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Cambria County/Flinton/16640

16640

ZIPSAFMR
Cambria County, PA
Zillow

ZIP Investment Score

129Above average

095130300
BRFMR
Eff. Rent
0 BR$980$980
1 BR$990$990
2 BR$1,200$1,200
3 BR$1,660$1,660
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
$116,403

Cost breakdown

+Likely effective rent$1,200
HUD FMRUsed$1,200
Market rentN/A
Est. payment standardN/A
-Principal and interest-$589
Loan amount$93,122
Down payment$23,281
Rate6.50%
Term30 years
-Operating costs-$411
Property taxes-$116
Insurance-$175
Utilities$0
HOA$0
Management-$120
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$19,487(83.7% ROI)
Projected value
$125,353
Return breakdown
Property appreciation+$8,950
Loan principal paid down+$3,336
Rental cash flow+$7,200
5-year hold
+$33,246(142.8% ROI)
Projected value
$131,699
Return breakdown
Property appreciation+$15,296
Loan principal paid down+$5,950
Rental cash flow+$12,000
10-year hold
+$70,780(304.0% ROI)
Projected value
$149,006
Return breakdown
Property appreciation+$32,603
Loan principal paid down+$14,177
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 16640 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 16640 (Flinton, PA) is $1,200 a month. That is down 9.8% from $1,330 in FY 2026. Flinton 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, 16640 has the 6th-highest two-bedroom rent (county range $1,010–$1,520). The median county two-bedroom FMR in Pennsylvania is $1,136, so ZIP 16640 is 6% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 16640
BedroomsFY 2027Change90–110% range
Studio$980−9.3%$882–$1,078
1BR$990−9.2%$891–$1,089
2BR$1,200−9.8%$1,080–$1,320
3BR$1,660−9.8%$1,494–$1,826
4BR$1,720−9.9%$1,548–$1,892

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 16640
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$980$990$1,200$1,660$1,720
FY 2026$1,080$1,090$1,330$1,840$1,910
FY 2025$910$920$1,140$1,540$1,680
FY 2024$780$780$990$1,300$1,460
FY 2023$710$720$920$1,180$1,340

Two-bedroom rent in nearby Cambria County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 16640
16619$1,010−15.8%
16624$1,010−15.8%
16627$1,130−5.8%
16629$1,010−15.8%
16630$1,010−15.8%
16635$1,270+5.8%
16636$1,380+15.0%
16639$1,010−15.8%
16640Current$1,200—
16641$1,030−14.2%
16644$1,010−15.8%
16646$1,010−15.8%

Questions about ZIP 16640 rents

How much will Section 8 pay for a two-bedroom in ZIP 16640?

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 $1,200 it would be $1,080 to $1,320. 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 16640 in?

ZIP 16640 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 16640 for FY 2027?

The two-bedroom FMR fell 9.8%, from $1,330 in FY 2026 to $1,200 in FY 2027. Since FY 2023 it has risen 30.4%.

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

County fair market rentFlinton, PA fair market rentPA statewide rentsWhat is SAFMR?Data sources