17323

ZIPSAFMR

York County, PA

ZIP Investment Score

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$840	$920	-0.8%
1 BR	$960	$1,040	0.3%
2 BR	$1,210	$1,260	0.3%
3 BR	$1,620	$1,410	0.4%
4 BR	$1,670	$1,370	0.0%
5 BR	$1,920	Not available	0.0%
6 BR	$2,209	Not available	0.0%
7 BR	$2,540	Not available	0.0%
8 BR	$2,921	Not available	0.0%

Purchase Price Calculator

Maximum purchase price

$125,319

Cost breakdown

+Likely effective rent$1,260

HUD FMR$1,210

Market rent$1,280

Est. payment standard (104%)Used$1,260

-Principal and interest-$634

Loan amount$100,255

Down payment$25,064

Rate6.50%

Term30 years

-Operating costs-$426

Property taxes-$125

Insurance-$175

Utilities$0

HOA$0

Management-$126

=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

+$20,428(81.5% ROI)

Projected value

$134,955

Return breakdown

Property appreciation+$9,636

Loan principal paid down+$3,592

Rental cash flow+$7,200

5-year hold

+$34,873(139.1% ROI)

Projected value

$141,787

Return breakdown

Property appreciation+$16,468

Loan principal paid down+$6,405

Rental cash flow+$12,000

10-year hold

+$74,363(296.7% ROI)

Projected value

$160,419

Return breakdown

Property appreciation+$35,100

Loan principal paid down+$15,263

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

0.77ratio

FMR$840

Market$1,090

vs market-$250

FMR is below market; voucher rent may lag private rents.

0.77

1 BR

0.88ratio

FMR$960

Market$1,090

vs market-$130

FMR is below market; voucher rent may lag private rents.

0.88

2 BR

0.95ratio

FMR$1,210

Market$1,280

vs market-$70

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

0.95

3 BR

1.15ratio

FMR$1,620

Market$1,410

vs market+$210

FMR is above market; underwrite to market rent.

1.15

4 BR

1.22ratio

FMR$1,670

Market$1,370

vs market+$300

FMR is above market; underwrite to market rent.

1.22

0.700.800.901.001.101.201.30aligned range

Historical

FY 2023-2027

FMR: FY2027
Market rent: last ~365 days
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 17323 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 17323 (Franklintown, PA) is $1,210 a month. That is unchanged from FY 2026. Franklintown is in the York-Hanover, 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 $1,327. Among 50 ZIP codes in York County, 17323 is tied for the 45th-highest two-bedroom rent (county range $1,210–$1,990). The median county two-bedroom FMR in Pennsylvania is $1,136, so ZIP 17323 is 7% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 17323
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$860	$840	−2.3%	$756–$924
1BR	$970	$960	−1.0%	$864–$1,056
2BR	$1,210	$1,210	0.0%	$1,089–$1,331
3BR	$1,640	$1,620	−1.2%	$1,458–$1,782
4BR	$1,700	$1,670	−1.8%	$1,503–$1,837

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 17323
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$840	$960	$1,210	$1,620	$1,670
FY 2026	$860	$970	$1,210	$1,640	$1,700
FY 2025	$820	$920	$1,150	$1,560	$1,610
FY 2024	$860	$950	$1,200	$1,600	$1,670
FY 2023	$790	$880	$1,130	$1,470	$1,570

Two-bedroom rent in nearby York County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 17323
17314	$1,330	+9.9%
17315	$1,280	+5.8%
17316	$1,240	+2.5%
17317	$1,230	+1.7%
17318	$1,530	+26.4%
17319	$1,290	+6.6%
17321	$1,490	+23.1%
17322	$1,470	+21.5%
17323Current	$1,210	—
17327	$1,220	+0.8%
17329	$1,320	+9.1%
17331	$1,370	+13.2%

Questions about ZIP 17323 rents

How much will Section 8 pay for a two-bedroom in ZIP 17323?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,327, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,194 to $1,460 a month; under the ZIP-level Small Area FMR of $1,210 it would be $1,089 to $1,331. 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 17323 in?

ZIP 17323 is in the York-Hanover, PA MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,327.

How much did fair market rent change in ZIP 17323 for FY 2027?

The two-bedroom FMR was unchanged at $1,210 in FY 2027. Since FY 2023 it has risen 7.1%.

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