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Cumberland County/Enola/17025

17025

ZIPSAFMR
Cumberland County, PA
Zillow

ZIP Investment Score

95Below average

095130300
BRFMR
Eff. Rent
0 BR$1,120$1,180
1 BR$1,240$1,360
2 BR$1,540$1,540
3 BR$1,980$1,690
4 BR$2,020$1,910
5 BR$2,323Not available
6 BR$2,671Not available
7 BR$3,072Not available
8 BR$3,533Not available

Purchase Price Calculator

Maximum purchase price
$166,927

Cost breakdown

+Likely effective rent$1,540
HUD FMR$1,540
Market rent$1,540
Est. payment standard (100%)Used$1,540
-Principal and interest-$844
Loan amount$133,542
Down payment$33,385
Rate6.50%
Term30 years
-Operating costs-$496
Property taxes-$167
Insurance-$175
Utilities$0
HOA$0
Management-$154
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,820(74.3% ROI)
Projected value
$179,762
Return breakdown
Property appreciation+$12,835
Loan principal paid down+$4,784
Rental cash flow+$7,200
5-year hold
+$42,468(127.2% ROI)
Projected value
$188,862
Return breakdown
Property appreciation+$21,936
Loan principal paid down+$8,532
Rental cash flow+$12,000
10-year hold
+$91,084(272.8% ROI)
Projected value
$213,681
Return breakdown
Property appreciation+$46,754
Loan principal paid down+$20,330
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.93
1 BR
0.87
2 BR
1.00
3 BR
1.17
4 BR
1.06
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 17025 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 17025 (Enola, PA) is $1,540 a month. That is up 7.7% from $1,430 in FY 2026. Enola is in the Harrisburg-Carlisle, PA MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 25 ZIP codes in Cumberland County, 17025 has the 11th-highest two-bedroom rent (county range $1,050–$1,980). The median county two-bedroom FMR in Pennsylvania is $1,136, so ZIP 17025 is 36% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 17025
BedroomsFY 2027Change90–110% range
Studio$1,120+10.9%$1,008–$1,232
1BR$1,240+6.9%$1,116–$1,364
2BR$1,540+7.7%$1,386–$1,694
3BR$1,980+7.6%$1,782–$2,178
4BR$2,020+6.9%$1,818–$2,222

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 17025
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,120$1,240$1,540$1,980$2,020
FY 2026$1,010$1,160$1,430$1,840$1,890
FY 2025$900$1,060$1,300$1,670$1,720
FY 2024$830$970$1,210$1,550$1,610
FY 2023$820$940$1,190$1,520$1,600

Two-bedroom rent in nearby Cumberland County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 17025
17001$1,630+5.8%
17007$1,400−9.1%
17011$1,710+11.0%
17013$1,470−4.5%
17015$1,580+2.6%
17019$1,220−20.8%
17025Current$1,540—
17027$1,590+3.2%
17043$1,340−13.0%
17050$1,980+28.6%
17053$1,250−18.8%
17055$1,790+16.2%

Questions about ZIP 17025 rents

How much will Section 8 pay for a two-bedroom in ZIP 17025?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,540, that basic range is $1,386 to $1,694 a month. 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 17025 in?

ZIP 17025 is in the Harrisburg-Carlisle, PA MSA. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 17025 for FY 2027?

The two-bedroom FMR rose 7.7%, from $1,430 in FY 2026 to $1,540 in FY 2027. Since FY 2023 it has risen 29.4%.

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