17310

ZIPSAFMR

Adams County, PA

ZIP Investment Score

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$1,040	$1,040	7.8%
1 BR	$1,060	$1,060	2.0%
2 BR	$1,350	$1,350	3.2%
3 BR	$1,820	$1,820	3.7%
4 BR	$1,950	$1,950	3.3%
5 BR	$2,243	Not available	3.3%
6 BR	$2,579	Not available	3.3%
7 BR	$2,966	Not available	3.3%
8 BR	$3,411	Not available	3.3%

Purchase Price Calculator

Maximum purchase price

$138,693

Cost breakdown

+Likely effective rent$1,350

HUD FMRUsed$1,350

Market rentN/A

Est. payment standardN/A

-Principal and interest-$701

Loan amount$110,954

Down payment$27,739

Rate6.50%

Term30 years

-Operating costs-$449

Property taxes-$139

Insurance-$175

Utilities$0

HOA$0

Management-$135

=Target cash flow+$200

Calculation mode

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

Hold period projections

Annual appreciation rate

3-year hold

+$21,839(78.7% ROI)

Projected value

$149,357

Return breakdown

Property appreciation+$10,664

Loan principal paid down+$3,975

Rental cash flow+$7,200

5-year hold

+$37,314(134.5% ROI)

Projected value

$156,918

Return breakdown

Property appreciation+$18,225

Loan principal paid down+$7,089

Rental cash flow+$12,000

10-year hold

+$79,737(287.5% ROI)

Projected value

$177,539

Return breakdown

Property appreciation+$38,846

Loan principal paid down+$16,892

Rental cash flow+$24,000

Public Housing Authority

Rolodex

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: --
Tax rate: --
Mortgage rate: --

ZIP 17310 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 17310 (Cashtown, PA) is $1,350 a month. That is down 1.5% from $1,370 in FY 2026. Cashtown is in the Gettysburg, 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 $1,354. Among 21 ZIP codes in Adams County, 17310 is tied for the 10th-highest two-bedroom rent (county range $1,050–$1,650). The median county two-bedroom FMR in Pennsylvania is $1,136, so ZIP 17310 is 19% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 17310
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$1,000	$1,040	+4.0%	$936–$1,144
1BR	$1,100	$1,060	−3.6%	$954–$1,166
2BR	$1,370	$1,350	−1.5%	$1,215–$1,485
3BR	$1,830	$1,820	−0.5%	$1,638–$2,002
4BR	$1,930	$1,950	+1.0%	$1,755–$2,145

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 17310
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$1,040	$1,060	$1,350	$1,820	$1,950
FY 2026	$1,000	$1,100	$1,370	$1,830	$1,930
FY 2025	$900	$1,040	$1,290	$1,710	$1,850
FY 2024	$830	$1,000	$1,230	$1,630	$1,770
FY 2023	$750	$920	$1,120	$1,490	$1,680

Two-bedroom rent in nearby Adams County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 17310
17301	$1,430	+5.9%
17303	$1,240	−8.1%
17304	$1,470	+8.9%
17306	$1,350	0.0%
17307	$1,050	−22.2%
17310Current	$1,350	—
17316	$1,240	−8.1%
17320	$1,460	+8.1%
17324	$1,140	−15.6%
17325	$1,240	−8.1%
17331	$1,370	+1.5%
17337	$1,350	0.0%

Questions about ZIP 17310 rents

How much will Section 8 pay for a two-bedroom in ZIP 17310?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,354, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,219 to $1,489 a month; under the ZIP-level Small Area FMR of $1,350 it would be $1,215 to $1,485. 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 17310 in?

ZIP 17310 is in the Gettysburg, PA MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,354.

How much did fair market rent change in ZIP 17310 for FY 2027?

The two-bedroom FMR fell 1.5%, from $1,370 in FY 2026 to $1,350 in FY 2027. Since FY 2023 it has risen 20.5%.

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 rent Cashtown, PA fair market rent PA statewide rents What is SAFMR?Data sources