17343

ZIPSAFMR

Adams County, PA

ZIP Investment Score

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$910	$1,000	2.7%
1 BR	$990	$1,090	-0.3%
2 BR	$1,240	$1,360	0.3%
3 BR	$1,660	$1,660	0.8%
4 BR	$1,750	$1,900	-0.4%
5 BR	$2,012	Not available	-0.4%
6 BR	$2,314	Not available	-0.4%
7 BR	$2,662	Not available	-0.4%
8 BR	$3,061	Not available	-0.4%

Purchase Price Calculator

Maximum purchase price

$140,179

Cost breakdown

+Likely effective rent$1,360

HUD FMR$1,240

Market rent$1,770

Est. payment standard (110%)Used$1,360

-Principal and interest-$709

Loan amount$112,143

Down payment$28,036

Rate6.50%

Term30 years

-Operating costs-$451

Property taxes-$140

Insurance-$175

Utilities$0

HOA$0

Management-$136

=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

+$21,996(78.5% ROI)

Projected value

$150,957

Return breakdown

Property appreciation+$10,778

Loan principal paid down+$4,018

Rental cash flow+$7,200

5-year hold

+$37,586(134.1% ROI)

Projected value

$158,600

Return breakdown

Property appreciation+$18,421

Loan principal paid down+$7,165

Rental cash flow+$12,000

10-year hold

+$80,334(286.5% ROI)

Projected value

$179,441

Return breakdown

Property appreciation+$39,262

Loan principal paid down+$17,073

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

0.51ratio

FMR$910

Market$1,800

vs market-$890

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

0.51

1 BR

0.57ratio

FMR$990

Market$1,750

vs market-$760

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

0.57

2 BR

0.70ratio

FMR$1,240

Market$1,770

vs market-$530

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

0.70

4 BR

0.88ratio

FMR$1,750

Market$1,980

vs market-$230

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

0.88

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 17343 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 17343 (Mc Knightstown, PA) is $1,240 a month. That is unchanged from FY 2026. Mc Knightstown 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, 17343 is tied for the 15th-highest two-bedroom rent (county range $1,050–$1,650). The median county two-bedroom FMR in Pennsylvania is $1,136, so ZIP 17343 is 9% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 17343
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$910	$910	0.0%	$819–$1,001
1BR	$990	$990	0.0%	$891–$1,089
2BR	$1,240	$1,240	0.0%	$1,116–$1,364
3BR	$1,660	$1,660	0.0%	$1,494–$1,826
4BR	$1,750	$1,750	0.0%	$1,575–$1,925

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 17343
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$910	$990	$1,240	$1,660	$1,750
FY 2026	$910	$990	$1,240	$1,660	$1,750
FY 2025	$820	$960	$1,180	$1,570	$1,690
FY 2024	$840	$1,000	$1,230	$1,620	$1,770
FY 2023	$730	$900	$1,100	$1,450	$1,640

Two-bedroom rent in nearby Adams County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 17343
17316	$1,240	0.0%
17320	$1,460	+17.7%
17324	$1,140	−8.1%
17325	$1,240	0.0%
17331	$1,370	+10.5%
17337	$1,350	+8.9%
17340	$1,440	+16.1%
17343Current	$1,240	—
17344	$1,650	+33.1%
17350	$1,500	+21.0%
17353	$1,570	+26.6%
17372	$1,360	+9.7%

Questions about ZIP 17343 rents

How much will Section 8 pay for a two-bedroom in ZIP 17343?

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 $1,240 it would be $1,116 to $1,364. 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 17343 in?

ZIP 17343 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 17343 for FY 2027?

The two-bedroom FMR was unchanged at $1,240 in FY 2027. Since FY 2023 it has risen 12.7%.

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