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17580

ZIPSAFMR
Lancaster County, PA
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$1,150$1,200
1 BR$1,250$1,240
2 BR$1,550$1,580
3 BR$1,970$1,900
4 BR$2,040$2,240
5 BR$2,346Not available
6 BR$2,698Not available
7 BR$3,103Not available
8 BR$3,568Not available

Purchase Price Calculator

Maximum purchase price
$172,871

Cost breakdown

+Likely effective rent$1,580
HUD FMR$1,550
Market rent$1,600
Est. payment standard (102%)Used$1,580
-Principal and interest-$874
Loan amount$138,297
Down payment$34,574
Rate6.50%
Term30 years
-Operating costs-$506
Property taxes-$173
Insurance-$175
Utilities$0
HOA$0
Management-$158
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,447(73.6% ROI)
Projected value
$186,163
Return breakdown
Property appreciation+$13,292
Loan principal paid down+$4,955
Rental cash flow+$7,200
5-year hold
+$43,552(126.0% ROI)
Projected value
$195,588
Return breakdown
Property appreciation+$22,717
Loan principal paid down+$8,836
Rental cash flow+$12,000
10-year hold
+$93,473(270.4% ROI)
Projected value
$221,289
Return breakdown
Property appreciation+$48,418
Loan principal paid down+$21,054
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.94
1 BR
1.01
2 BR
0.97
3 BR
1.04
4 BR
0.85
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
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Tax rate
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Mortgage rate
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ZIP 17580 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 17580 (Talmage, PA) is $1,550 a month. That is up 1.3% from $1,530 in FY 2026. Talmage is in the Lancaster, 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 $1,553. Among 75 ZIP codes in Lancaster County, 17580 is tied for the 28th-highest two-bedroom rent (county range $1,260–$2,330). The median county two-bedroom FMR in Pennsylvania is $1,136, so ZIP 17580 is 36% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 17580
BedroomsFY 2027Change90–110% range
Studio$1,150+4.5%$1,035–$1,265
1BR$1,250+2.5%$1,125–$1,375
2BR$1,550+1.3%$1,395–$1,705
3BR$1,970−1.0%$1,773–$2,167
4BR$2,040+0.5%$1,836–$2,244

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 17580
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,150$1,250$1,550$1,970$2,040
FY 2026$1,100$1,220$1,530$1,990$2,030
FY 2025$980$1,100$1,390$1,820$1,840
FY 2024$940$1,060$1,330$1,720$1,770
FY 2023$900$1,030$1,290$1,640$1,730

Two-bedroom rent in nearby Lancaster County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 17580
17569$1,420−8.4%
17570$1,530−1.3%
17572$1,380−11.0%
17575$1,5500.0%
17576$1,660+7.1%
17578$1,380−11.0%
17579$1,380−11.0%
17580Current$1,550—
17581$1,380−11.0%
17582$1,590+2.6%
17584$2,210+42.6%
17585$1,5500.0%

Questions about ZIP 17580 rents

How much will Section 8 pay for a two-bedroom in ZIP 17580?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,553, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,398 to $1,708 a month; under the ZIP-level Small Area FMR of $1,550 it would be $1,395 to $1,705. 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 17580 in?

ZIP 17580 is in the Lancaster, PA MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,553.

How much did fair market rent change in ZIP 17580 for FY 2027?

The two-bedroom FMR rose 1.3%, from $1,530 in FY 2026 to $1,550 in FY 2027. Since FY 2023 it has risen 20.2%.

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